FP&A Manager – Payments & Billing

Overview

The organization is seeking a highly analytical and detail-oriented FP&A Manager – Payments & Billing to join the Finance team. This role supports 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 has strong financial modeling and corporate finance experience, with a deep understanding of payments billing models (fee billing, passthrough billing, absorbed billing, and interchange-plus pricing for ISV customers and merchants). You will work closely with leadership, including the CFO, and lead billing operations, management reporting, and strategic initiatives.

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 the organization 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
• Collaborate with Product and 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 efficiency metrics
• Support pricing decisions, contract structuring, and strategic initiatives

Data & Process Improvement

• Build scalable financial models and reporting tools using Excel
• Automate reporting processes and improve data integrity across systems
• Support Financial Operations (FinOps) team with monthly software partner residual reporting
• Partner with FinOps, Product, and Engineering teams to enhance access to financial and operational data
• Continuously improve FP&A processes, reporting cadence, and forecasting accuracy

Requirements

• Bachelor’s degree in Finance, Economics, Accounting, Business Administration or a related field
• 4–5+ years of experience in payments, fintech, or embedded finance, with a strong foundation in FP&A, corporate finance, or financial operations
• Advanced Excel / financial modeling skills (complex formulas, scenario modeling, large datasets)
• Proficiency in understanding financial statements, forecasting, and budgeting
• Experience building 3-statement models, operating models, or unit economics frameworks
• Strong analytical, problem-solving, and attention-to-detail skills
• Excellent communication skills, with the ability to present financial insights clearly to stakeholders

Preferred Qualifications

• Experience in payments, fintech, SaaS, or embedded finance
• Familiarity with payments economics, including interchange, network fees, acquirer/processor pricing, and revenue share models
• Hands-on experience with payments billing models, including fee billing, passthrough, absorbed, and interchange-plus structures
• Experience working in a high-growth startup or venture-backed company
• Exposure to BI tools (Tableau, Power BI, Looker) and/or SQL
• Background working with transaction-level or large-scale financial datasets

Compensation & Benefits

• Competitive salary
• Stock options with the potential to unlock more equity as the organization grows
• Flexible PTO and paid parental leave
• Medical, dental, & vision insurance
• 401K, HSA, pre-tax savings programs

Location

Remote. Candidates located in Seattle or Los Angeles are preferred.

Additional Information

• Principals only. No external agency submissions. Candidates must apply directly; submissions from third-party recruiters or staffing agencies will not be accepted.