FP&A Analyst II - Remote

Company Description

At Pay Near Me , we’re on a mission to make paying and getting paid as simple as possible. We build innovative technology that transforms the way businesses and their customers experience payments. Our industry-leading platform, PayXM™, is the first of its kind—designed to manage the entire payment experience from start to finish. Every click, swipe or tap is seamless, fast and secure, helping non-commerce businesses boost customer satisfaction, accelerate payments, and reduce costs.

Our single platform handles it all: cards, ACH, digital wallets such as Pay Pal, Venmo, Cash App Pay, Apple Pay and Google Pay, and even cash at more than 62,000 retail locations nationwide. Today, thousands of businesses across consumer lending, iGaming and online sports betting, property management, and tolling trust Pay Near Me  to deliver a payment experience that drives real results.

In September 2025, we raised a $50 million Series E funding round to accelerate our growth. We’re a team of 200+ employees across 41 states, headquartered in Silicon Valley with satellite offices in Dallas, TX and Holmdel, NJ. Join us and be part of a team that’s shaping the future of payments—one experience at a time.

Pay Near Me  is seeking a highly analytical and collaborative FP&A Analyst II to support our operating expense (OpEx) and cost of goods sold (COGS) planning, forecasting, and reporting processes. This role will be a key contributor within the FP&A team, with a strong emphasis on hands‑on Adaptive Planning work, OpEx budgeting and forecasting, and partnership with Accounting, Engineering, and business leaders.

This position is ideal for someone who enjoys working deeply in financial models, maintaining forecasting accuracy, and translating business and operational drivers into clear financial insights in a fast‑growing fintech environment.

• Maintain and enhance Adaptive Planning models for OpEx, headcount, and select COGS‑related expenses.
• Update and manage driver‑based models (e.g., headcount, transaction volumes, infrastructure usage).
• Ensure assumptions are accurate, documented, and aligned with business inputs.
• Perform monthly headcount maintenance by reconciling HRIS and Adaptive data (new hires, terminations, transfers, compensation changes, and department mapping) and partner closely with People Ops to ensure alignment on hiring status.
• Own and monitor the ERP → Adaptive integration, ensuring data flows correctly and resolving issues when integrations fail.
• Support annual budget, reforecast, and long‑range planning cycles for OpEx across multiple departments.
• Partner with budget owners to gather inputs, review forecasts, and understand changes in spend.
• Track one‑time costs, vendor expenses, and reclasses to ensure accurate forecasting and reporting.
• Actively support the month‑end close process by reviewing expenses during soft close, identifying reclasses, and partnering with Accounting to ensure accuracy of expenses, vendor costs, accruals, and allocations prior to final close.
• Prepare monthly variance analysis (actuals vs. budget/forecast) and clearly explain key drivers.
• Support forecasting and analysis of transaction‑driven costs, including cloud infrastructure, data platforms, and third‑party vendors.
• Partner closely with Engineering and Operations to understand cost drivers such as transaction volumes, API calls, and bulk file usage, and identify opportunities to optimize these costs.
• Track and share monthly COGS and infrastructure cost trends, ensuring alignment with Engineering, Accounting, and FP&A and proactively flagging emerging risks or changes.
• Partner with Accounting to ensure accurate expense classification on the P&L, including evaluating new vendors and determining appropriate OpEx vs. COGS treatment with clear supporting rationale.
• Support ongoing efforts to refine COGS definitions, forecasting methodologies, and reporting clarity.
• Act as a finance partner to Engineering, Product, Operations, and G&A teams.
• Translate financial results and forecasts into clear, concise insights for non‑finance stakeholders.
• Ensure consistency and accuracy between internal…