Job Description

Note: This job title is Chief Financial Officer, but we are seeking someone primarily with an FP&A-like background (investment banking, corporate FP&A, corp dev, etc.) so have changed the sourcing job title for posting and advertising purposes.

Company Overview

Payability empowers eCommerce sellers with flexible funding and tailored cash flow solutions. Since our founding in 2015, we have helped thousands of eCommerce sellers scale their businesses by providing over $6 billion in funding to date. Payability is fully remote and we are looking for talented people to join our dynamic team. We are on a mission to provide capital and payment solutions for eCommerce sellers, suppliers and merchants; powered by automation, delivered friction-free.

Payability is an equal opportunity employer.

Position Overview

Payability is seeking a strategic and hands-on Head of FP&A, reporting directly to the CEO. You’ll be the finance partner to leadership, shaping key decisions through data-driven insights, and playing a crucial role in our scaling journey — from driving actionable insights to supporting growth efficiency and risk analytics. This is a foundational and high-impact role in a capital-intensive business — a great fit for someone with deep fintech or lending experience and a passion for building from zero to one. The ideal candidate will be someone who thrives in a fast-paced environment, enjoys building from the ground up, and is comfortable navigating ambiguity.

Key Responsibilities

• Build and scale robust financial models, budgets and forecasts that support strategic planning, fundraising, and scenario analysis
• Develop and refine cohort analysis, customer acquisition cost and lifetime value models 
• Provide visibility into business performance through reporting, dashboards, and KPI tracking
• Manage the company’s relationship with its bank lender, ensuring continued credit facility compliance including daily borrowing base and periodic financial reporting, covenant certificates and audit requirements
• Support debt and/or equity fundraising efforts with investor-ready models, pitch materials, and data-driven storytelling
• Implement and improve FP&A tools, processes, and systems as the company scales
• Eventually support a sale process for the company

Requirements

• Bachelor’s degree in finance, accounting, economics or a related field; MBA or other financial certification preferred (e.g. CPA, CFA, etc.)
• At least 5 years relevant experience - preferably in at least one of the following environments: investment banking, private equity, venture capital, fintech and/or startup 
• Proficient with financial modeling, data analysis and financial reporting; excellent analytical and problem-solving skills
• Skilled with spreadsheets, dashboards and queries to extract, manipulate and transform data; SQL/Python preferred
• Adaptable and able to thrive in a rapidly changing environment, operates with a sense of urgency while managing multiple priorities
• Must be detail-oriented and produce accurate and timely work 
• Effectively communicates and collaborates across the organization, motivates team to achieve results
• Highly motivated, intellectually curious, and a team player

Measurements of Success in First 90 days

1. Successful implementation of API banking (Airwallex or similar) with new “flow of funds” process 
2. Complete automation of the borrowing base process with team cross-training
3. Implement an effective cash forecasting process
4. Document a formal budget, with recurring processes established for monthly variance analysis, cost control and forecast updates
5. Build an executive dashboard for tracking business KPIs by customer cohort (such as CAC, LTV, IRR, churn, etc.), and quarterly team OKRs

Benefits

• Base salary range: $140,000 to $180,000

• Quarterly bonus potential based on achievement of company OKRs
• Opportunity to participate in company equity
• Full benefits: health (employee coverage fully paid by company), dental, vision 
• 401(k) plan 
• Paid Time Off and Company Holidays

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