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Company Description

At PayNearMe, we’re on a mission to make paying and getting paid as simple as possible. We build innovative technology that transforms the way businesses and their customers experience payments. Our industry-leading platform, PayXM™, is the first of its kind—designed to manage the entire payment experience from start to finish. Every click, swipe or tap is seamless, fast and secure, helping non-commerce businesses boost customer satisfaction, accelerate payments, and reduce costs.

Our single platform handles it all: cards, ACH, digital wallets such as PayPal, Venmo, Cash App Pay, Apple Pay and Google Pay, and even cash at more than 62,000 retail locations nationwide. Today, thousands of businesses across consumer lending, iGaming and online sports betting, property management, and tolling trust PayNearMe to deliver a payment experience that drives real results.

In September 2025, we raised a $50 million Series E funding round to accelerate our growth.

We’re a team of 200+ employees across 41 states, headquartered in Silicon Valley with satellite offices in Dallas, TX and Holmdel, NJ.

Join us and be part of a team that’s shaping the future of payments—one experience at a time.

Job Description

PayNearMe is seeking a highly analytical and collaborative FP&A Analyst II to support our operating expense (OpEx) and cost of goods sold (COGS) planning, forecasting, and reporting processes. This role will be a key contributor within the FP&A team, with a strong emphasis on hands-on Adaptive Planning work, OpEx budgeting and forecasting, and partnership with Accounting, Engineering, and business leaders.

This position is ideal for someone who enjoys working deeply in financial models, maintaining forecasting accuracy, and translating business and operational drivers into clear financial insights in a fast-growing fintech environment.

Responsibilities

Adaptive Planning & Financial Modeling

• Maintain and enhance Adaptive Planning models for OpEx, headcount, and select COGS-related expenses
• Update and manage driver-based models (e.g., headcount, transaction volumes, infrastructure usage)
• Ensure assumptions are accurate, documented, and aligned with business inputs
• Perform monthly headcount maintenance by reconciling HRIS and Adaptive data (new hires, terminations, transfers, compensation changes, and department mapping) and partner closely with People Ops to ensure alignment on hiring status
• Own and monitor the ERP → Adaptive integration, ensuring data flows correctly and resolving issues when integrations fail

OpEx Budgeting & Forecasting

• Support annual budget, reforecast, and long-range planning cycles for OpEx across multiple departments
• Partner with budget owners to gather inputs, review forecasts, and understand changes in spend
• Track one-time costs, vendor expenses, and reclasses to ensure accurate forecasting and reporting
• Actively support the month-end close process by reviewing expenses during soft close, identifying reclasses, and partnering with Accounting to ensure accuracy of expenses, vendor costs, accruals, and allocations prior to final close
• Prepare monthly variance analysis (actuals vs. budget/forecast) and clearly explain key drivers

COGS & Transaction-Driven Cost Management

• Support forecasting and analysis of transaction-driven costs, including cloud infrastructure, data platforms, and third-party vendors
• Partner closely with Engineering and Operations to understand cost drivers such as transaction volumes, API calls, and bulk file usage, and identify opportunities to optimize these costs
• Track and share monthly COGS and infrastructure cost trends, ensuring alignment with Engineering, Accounting, and FP&A and proactively flagging emerging risks or changes
• Partner with Accounting to ensure accurate expense classification on the
• P&L, including evaluating new vendors and determining appropriate OpEx vs. COGS treatment with clear supporting rationale
• Support ongoing efforts to refine COGS definitions, forecasting methodologies, and reporting clarity

Cross-Functional Partnership & Communication

• Act as a finance partner to Engineering, Product, Operations, and G&A teams
• Translate financial results and forecasts into clear, concise insights for non-finance stakeholders
• Ensure consistency and accuracy between internal management reporting and external-facing materials

Vendor & SaaS Procurement Oversight

• Partner with stakeholders to confirm spend aligns with budget, forecast, and business need, and ensure approved contracts are accurately reflected in financial plans

Process Improvement & Ad Hoc Analysis

• Identify opportunities to improve forecasting accuracy, model structure, and planning processes
• Support strategic finance initiatives, including vendor analysis, tooling improvements, and growth-related analysis
• Assist with special projects as the business scales

Qualifications

• 3–7+ years of experience in FP&A, Corporate Finance, or related roles
• Hands-on experience with Adaptive Planning (Adaptive Insights) — required
• Working knowledge of financial and operational systems, including Sage Intacct (ERP), HiBob (HRIS), and Looker (reporting/analytics)
• Strong experience with OpEx budgeting, forecasting, and variance analysis
• Advanced Excel / Google Sheets skills; ability to work with large datasets
• Experience building and maintaining driver-based financial models
• Strong executive-level communication skills, with the ability to clearly and confidently partner with budget owners, senior leaders, and C‑suite stakeholders

Preferred

• Experience supporting Engineering, Technology, or Infrastructure-heavy teams
• Exposure to COGS forecasting in a SaaS, payments, or fintech environment
• Familiarity with cloud cost drivers (e.g., AWS, Datadog)
• Interest in improving planning processes and financial tooling

What Success Looks Like in This Role

• Adaptive Planning models are accurate, well-maintained, and trusted by stakeholders
• OpEx forecasts are timely, well-supported, and clearly explained
• Variances are tied to real business and operational drivers
• Budget owners feel supported and confident in their forecasts
• The FP&A team has reliable inputs for leadership reporting and decision-making

Why PayNearMe

PayNearMe is a payments fintech company solving complex payment challenges for leading enterprises. This role offers hands-on exposure to financial planning, close partnership with cross-functional teams, and the opportunity to grow within a high-impact FP&A organization.

Additional Information

Why Join Us?:

• Competitive salary and benefits with growth-company options grant
• Fast- paced and professional work culture
• Stock options with standard startup vesting - 1 year cliff; 4 years total
• $50 monthly communication expense stipend to go towards your phone/internet bill
• $250 stipend to enhance your WFH setup
• Reimbursement for peripheral equipment: monitor (up to $400), keyboard and mouse (up to $200)
• Premium medical benefits including vision and dental (100% coverage for employees)
• Company-sponsored life and disability insurance
• Paid parental bonding leave
• Paid sick leave, jury duty, bereavement
• 401k plan
• Flexible Time Off (our team members typically take off ~3-4 weeks per year)
• Volunteer Time Off
• 13 scheduled holidays

Salary Range: $85,000 - $115,000

PayNearMe strives to create a workplace where all employees thrive. Our core values represent who we are today and we take pride in the way we work with each other as well as with our stakeholders.

We’re in this together to do the right thing. We deliver real results we are proud of while remaining respectful, transparent, and flexible.

PayNearMe is an equal opportunity employer. We are diligently and thoughtfully working towards cultivating a diverse workforce which in turn, enhances our products and services for the communities we serve. Applicants who represent all backgrounds are strongly encouraged to apply.

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CALIFORNIA CONSUMER PRIVACY ACT: APPLICANT NOTICE

Effective Date: January 1, 2020

Last Reviewed on: December 23, 2019

PayNearMe, Inc. (the “Company”) is providing you with this Notice (“Notice”) to inform you about:

1. the categories of Personal Information that the Company collects and maintains about applicants; and
2. the purposes for which the Company uses that Personal Information.

For purposes of this Notice, “Personal Information” means information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly with, a natural person that the Company may collect in connection with screening applicants for job openings at the Company.

1. Identifiers and Professional or Employment-Related Information. The Company collects identifiers and professional or employment-related information, which may include some or all the following: real name, nickname or alias, postal address, telephone number, e-mail address, membership in professional organizations, professional certifications, language skills, and current and past employment history. The Company collects this Personal Information to evaluate previous job performance and consider applicants for positions, to develop a talent pool and plan for succession, to conduct applicant surveys, to maintain an internal applicant directory and for purposes of identification, to promote the Company as a place to work, and for workforce reporting and data analytics/trend analysis.
2. Personal Information Categories from Cal. Civ. Code § 1798.80(e). The Company may collect categories of Personal Information listed in Cal. Civ. Code §1798.80(e), other than those already listed above, (a) to the extent necessary to comply with the Company’s legal obligations, such as to accommodate disabilities; (b) to conduct a direct threat analysis in accordance with the Americans with Disabilities Act and state law; (c) for occupational health and safety compliance and record-keeping; and (d) to respond to an applicant’s medical emergency.
3. Characteristics of Protected Classifications Under California or Federal Law. The Company may collect information about race, age, national origin, disability, sex, and veteran status as necessary to comply with legal obligations, including the reporting requirements of the federal Equal Employment Opportunity Act, the federal Office of Contracting Compliance Programs (applicable to government contractors), and California’s Fair Employment and Housing Act. The Company collects this Personal Information for purposes including: to comply with Federal and California law related to accommodation. The Company also collects this category of Personal Information on a purely voluntary basis, except where required by law, and uses the information only in compliance with applicable laws and regulations.
4. Education Information. The Company collects education information such as resumes and graduation records. The Company collects this Personal Information to determine suitability for roles, to determine eligibility for training courses, and to assist with professional licensing.
5. Profile Data. The Company may collect profile data, including the following: psychological assessments, behavior analyses, or other profiling of its applicants. The Company collects this Personal Information to determine aptitude for certain positions and job assignments as well.
6. Background Screening Information. In the event that an applicant is given a formal job offer, the Company collects background screening information prior to hiring, including results of the following types of background screening: criminal history; sex offender registration; motor vehicle records; credit history; employment history; drug testing; and educational history. The Company collects this Personal Information to screen for risks to the Company and its clients, and continued suitability for their jobs and to evaluate applicants for promotions.

Assistance for Disabled Applicants

Alternative formats of this Notice are available to individuals with a disability. Please let us know if you need assistance.

All your information will be kept confidential according to EEO guidelines.