Note: The job is a remote job and is open to candidates in USA. Aprio Talent Solutions is assisting a PE-backed software and payments company in finding a Director, FP&A – Payments. This role is responsible for building the payments finance function from the ground up, including developing P&L reporting, financial planning cycles, and pricing tools for the company's payments business.

Responsibilities

• Build and maintain monthly, quarterly, and annual payments P&L reporting packages for executive leadership
• Track unit economics — gross and net revenue, take rate trends, and contribution margin by cohort, vertical, and channel
• Lead all payments financial planning cycles: annual budget, quarterly reforecasts, and three-year strategic plan modeling
• Build driver-based forecast models incorporating attach rate, volume per merchant, take rate, and churn assumptions
• Model and audit all partner residual structures, reconciling projected vs. actual payments and flagging discrepancies
• Evaluate the economics of new partner agreements and renegotiations with IRR/NPV analysis to support deal approval
• Build and maintain a dynamic rate card and pricing tool for the sales team to model revenue, cost of funds, and margin
• Establish minimum-return thresholds by segment and enforce a disciplined deal-approval framework
• Develop a payments dashboard with real-time visibility into volume, revenue, take rate, and margin
• Support M&A diligence and integration activity related to payments

Skills

• 8–10+ years of progressive finance experience
• Bachelor's degree in Finance, Accounting, Economics, or a related quantitative field; MBA or CPA a plus
• Payments-native background — prior experience at a payment processor, acquirer, card network, or payments-focused SaaS company
• Deep fluency in payments economics: interchange, assessment fees, residual structures, BPS/take rate calculations, and processing cost models
• Advanced financial modeling skills, including building complex driver-based models from scratch in Excel and cloud-native forecasting tools (Adaptive Insights, Prophix, Datarails, or similar)
• Proven ownership of budgeting, forecasting, and variance analysis processes
• Ability to synthesize large, complex datasets into clear executive-level narratives and recommendations
• Private-equity-backed company experience
• FP&A experience supporting a payments or embedded finance business unit within a SaaS company
• Familiarity with partner residual management systems and revenue share structures
• Experience building or enhancing payments reporting infrastructure and BI dashboards
• Prior M&A diligence or integration work in payments or fintech
• Proficiency with BI tools (Power BI, Tableau, Looker); SQL a plus

Benefits

• Bonus
• 100% Remote (Must be US based)

Company Overview