FP&A Manager Billing

Payabli is the Intelligent Fintech Operating System for software platforms. If you are a software company, you are a fintech company, and Payabli is your operating system. Built by payments industry and SaaS veterans and powered by its own models, Payabli gives platforms everything they need to embed, manage, and monetize financial services through a single developer-friendly API spanning Pay In, Pay Out, and Pay Ops.

Intelligence is not a layer on top, it is the foundation, expressed through Amigo™, Payabli's native AI Agent Suite, and a growing set of capabilities that make payment operations smarter and more autonomous.

Payabli gives software companies Pay Fac capabilities without the heavy lift, administrative burden, or cost of becoming a payment facilitator themselves. With Pay Fac-as-a-Service, embedded payment acceptance and issuance, and intelligent payment operations, platforms turn payments into a meaningful revenue stream while staying focused on their core product.

Payabli is backed by world-class fintech investors including QED Investors, Fika Ventures, TTV Capital, and Bling Capital, and was recently named to the Forbes Fintech 50.

We are seeking a highly analytical and detail-oriented FP&A Manager – Payments & Billing to join our Finance team. This role will play a critical part in financial planning, forecasting, and strategic decision-making across the business, with a strong focus on payments billing operations, fintech economics, and embedded finance revenue models.

The ideal candidate combines strong financial modeling and corporate finance skills with a deep understanding of payments billing models (fee billing, passthrough billing, absorbed billing, and interchange-plus pricing for ISV customers and merchants) and thrives in a fast-paced, high-growth environment. You will work closely with leadership, including the CFO, and lead billing operations, management reporting, and strategic initiatives.

In this FP&A Manager – Payments & Billing role, you will have the following key responsibilities

• Analyze revenue, gross margin, and contribution profit across products, customers, and partners
• Develop and lead driver-based models to forecast key metrics such as GMV / TPV, take rate, revenue yield, and unit economics
• Support scenario planning and sensitivity analyses for new products, pricing strategies, and partnerships
• Build and maintain company-wide financial and accounting statements, including monthly forecasts, annual budgets, and long-range planning

• Analyze and forecast payments revenue streams, including interchange, network fees, processor costs, and revenue share agreements
• Build models around interchange-plus, buy-rate, and blended pricing structures
• Evaluate merchant profitability, cohort performance, and partner economics
• Partner with Operations and Product teams to improve visibility into transaction-level economics and margin drivers

• Lead and own end-to-end fee billing processes, ensuring accurate and timely invoicing of platform, SaaS, and transaction fees to ISV customers and merchants
• Manage passthrough billing workflows, reconciling network fees, interchange costs, and processor charges passed through to customers at cost
• Oversee absorbed billing models, tracking costs absorbed by Payabli and ensuring accurate margin accounting across customer segments
• Administer interchange-plus billing programs for ISV customers and merchants, modeling buy-rate spreads, residual payouts, and net margin at the account level
• Support
• Collaborate with as a Product & Engineering to drive billing automation commercialization and product updates

• Prepare monthly management reporting packages,…