FP&A Manager Billing

About Payabli

Payabli is a next-generation Payments Infrastructure and Monetization Platform purpose-built for vertical software companies. Through a single, developer-friendly API with low-code embedded payment components, Payabli enables platforms to seamlessly embed, monetize, and operationalize payments—making payments a core part of their platform and business model.

By unifying payment acceptance, payment issuance, and advanced payment operations tooling, Payabli empowers software companies to manage and move money through a single infrastructure stack that delivers total control over the payments experience. Built to scale with PCI DSS 4.0 and SOC 2-compliant security, Payabli’s infrastructure delivers enterprise-grade reliability and trust while leveraging AI-driven intelligence to enhance visibility, streamline operations, and drive revenue growth.

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

Financial Planning & Analysis

• 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

Payments & Fintech Economics

• 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

Payments & Billing Operations

• 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

Management Reporting & Business Partnering

• Prepare monthly management reporting packages, including variance analysis vs. budget/forecast

• Support quarterly and annual department level budgeting and forecasting

• Partner cross-functionally with Sales, Operations, and Product to understand drivers of performance

• Deliver insights on growth, profitability, and…