Financial Analyst

TodaPay is an international fintech company operating in the digital payments and financial infrastructure space across multiple jurisdictions. We support high-growth payment operations with multi-currency transactions, crypto payments, and complex corporate structures. We are looking for a detail-oriented and proactive Business Analyst to join our Technical team to hold a strategic role at the intersection of business, product, and engineering. You will translate the needs of merchants, compliance, and risk management into clear specifications that enable the development team to build things right the first time. As our Financial Analyst you will be the single owner of financial visibility, financial control and profitability analysis across the company, and a direct analytical partner to the leadership team. You will deliver fast, accurate, decision-ready numbers for the CEO and CFO. This is not a “reporting only” or “reconciliation only” role. You will proactively find financial leakage, verify that contract terms match actual settlements, build profitability models by provider, merchant, product and business flow, and prepare the calculations behind leadership decisions on partnerships, pricing, liquidity, budget and growth. You will work closely with Treasury, Accounting, KAM, BizDev, Operations, Product and Data, while personally owning the accuracy, completeness and business relevance of every number that reaches management. What you will own - A single source of truth for financial data used in management reporting - Personal accountability for the accuracy of calculations, reconciliations and management reports - Identifying and closing financial blind spots across providers, merchants, products and flows - Alignment between contracts, commercial terms, internal documentation and actual settlements - Proactive escalation of risks, discrepancies, liquidity issues and profitability problems before they become critical Responsibilities Full financial visibility and control - Maintain an up-to-date picture of all financial flows: acquiring, payouts, fiat and crypto settlements, fees, rolling reserves, chargebacks, refunds and liquidity positions - Track funds end to end: merchant turnover → provider settlement → final payout → internal reporting - Ensure every active provider, merchant, product and flow is documented and under financial control Reconciliation and validation - Reconcile and verify turnover, fees, revenue share, rolling reserves, settlements, payouts, chargebacks, refunds, FX differences and provider fees - Run monthly multi-level reconciliation across active provider–merchant pairs in acquiring and payouts - Check that contracts, commercial agreements, internal documentation and provider reports match actual calculations - Identify, investigate, quantify and escalate discrepancies that affect payouts, merchant reporting, profitability or financial statements Financial modeling and FP&A - Build budget, forecast, revenue and cost planning, cash flow forecast and scenario models - Run actual vs budget / forecast analysis, explain key variances and turn numbers into business conclusions - Calculate profitability by provider, merchant, product, business line, currency and transaction flow - Build pricing, margin, FX, fee and revenue-share models for new and existing partnerships; contribute to the monthly forecast update and the annual budget Support for CEO / CFO decisions - Deliver quick calculations and business cases for management decisions, in hours rather than days - Assess the financial viability of new providers, merchants, products, integrations, pricing models and commercial terms, with pre-launch and post-launch profitability checks - Quantify the impact, risks, opportunities and trade-offs of strategic decisions; prepare short financial summaries and recommendations for leadership meetings Rolling reserve, settlements and liquidity control - Track rolling reserves: balances, accruals, releases, adjustments, conversions and transfers between wallets and accounts; reconcile reserves received from providers with the accounting system - Monitor funds across providers, wallets, bank accounts, payment systems and internal ledgers - Track current and expected obligations to merchants, partners and providers; together with Treasury, forecast liquidity gaps and the sufficiency of balances for settlements and payouts Structured reporting - Produce daily, weekly and monthly reporting on key financial metrics, business flows, exceptions and risks - Prepare the monthly management report: P&L, gross profit, margin, provider performance, merchant profitability, liquidity and financial exceptions - Deliver merchant-level reporting: turnover, balances, payouts, fees, rolling reserve, refunds, chargebacks and settlement status - Build dashboards and regular reports that give leadership a real-time view of the business and its risks Loss and leakage detection - Proactively identify losses: incorrect fees, margin erosion, settlement issues, FX losses, uncollected revenue and operational inefficiency - Investigate root causes, define corrective actions, estimate the P&L impact and track resolution to closure - Work with the business to change controls so leakages do not recur Automation and tools - Automate reporting, reconciliation and financial calculations using Google Sheets, Excel, BI tools, SQL and internal systems - Build calculators and models for fees, FX, pricing, settlement logic, profitability and forecast scenarios - Reduce manual workload while improving accuracy, transparency and speed; work with Product, Data and Operations on data quality, financial data architecture and reporting logic Requirements - 3+ years in financial analysis, FP&A, controlling, reconciliation, payments finance, audit or management reporting - Solid understanding of P&L, cash flow, budgeting, forecasting, actual vs budget analysis, and the drivers of revenue, costs, margin and profitability - Understanding of settlement cycles, provider fees, revenue share, FX, rolling reserves, chargebacks, refunds and merchant reporting - Advanced Google Sheets / Excel: complex formulas, pivot tables, financial models, scenario calculations, work with large datasets - Strong analytical rigor: you find anomalies, trace discrepancies to their root cause and quantify the financial impact in money terms - Ownership: you are ready to personally stand behind the numbers delivered to leadership - Ability to explain complex financial topics clearly to non-finance colleagues - Working English, written and spoken - Experience in payment processing, PSP, acquiring, payouts, fintech, banking, crypto, SaaS or another multi-currency business is a strong advantage Nice to have - Experience with Corefy or similar payment orchestration, reconciliation, PSP or accounting platforms - BI tools: Metabase, Looker, Power BI, Tableau or similar - SQL for data extraction, validation and reporting automation - Treasury operations and liquidity management experience in a multi-provider environment - Basic scripting: Python, Apps Script, VBA or similar automation tools - Experience in fintech, payments, crypto, acquiring, payout operations or another high-volume transactional business We offer - Opportunity to work in a fast-growing international fintech company - Professional growth opportunities alongside the company - 24 paid vacation days per year and 5 paid sick leave days per year - 10 public holidays - Full remote work or hybrid flexibility - Collaborative and friendly team - Professional education budget after 6 months with the company - Birthday gift bonus for all employees