Senior FP&A Analyst

Senior FP&A analyst
Location: Hybrid in New York City (3 day in-office requirement)

Qualifications:

• 4+ years of experience as an FP&A analyst, ideally in a high-growth or fintech environment
• Advanced Excel and Google Sheets skills - you build robust models, tools, and processes that automate much of your own work
• Strong business acumen and strategic thinking, with the ability to find the levers in an operating model and translate them into actionable insight
• Proficiency with AI tools and automation to accelerate analysis and reporting
• A track record of owning budget and rolling-forecast cycles end to end
• Outstanding communication and business-partnering skills with senior stakeholders, both within Finance and across the wider business
• Exceptional attention to detail and accuracy, with a high level of ownership and the ability to prioritize and deliver independently
• Bachelor's degree in Finance, Economics, Accounting, or a related field

Bonus points

• Hands-on experience with an ERP or planning system. Anaplan in particular is a strong advantage
• Strong understanding of underlying business drivers and SaaS metrics (MRR, S&M efficiency, funnel metrics)
• Experience at a company operating across multiple entities, or reporting into a parent or global company
• A history of improving and automating FP&A processes and reporting
• Exposure to additional financial reporting systems and data sources (e.g. Pigment, NetSuite)

A day in the life and how you’ll make an impact:

• Own the FP&A side of our Sales and GTM incentive plans and spend, building and maintaining the related budget and rolling forecast
• Support OPEX planning and tracking across budget, forecast, and monthly performance
• Lead monthly and quarterly budget-vs-actual reporting and performance decks, translating results into clear insights for senior management
• Partner with leaders across GTM, Finance, Strategy, and BizDev as a trusted advisor
• Contribute to Melio’s top-line revenue planning and forecasting as part of a broader team effort, owning your defined piece of the process
• Build financial models to support forecasts, scenario planning, and ad-hoc strategic requests
• Play an active role in the monthly close process and support the investor package
• Serve as a key finance connection to Xero's regional and GTM finance teams, aligning metric definitions, reporting standards, and planning cadences across the two entities
• Drive improvements and automation across FP&A processes and reporting

About the team:

The Finance department plays a strategic role in shaping Melio's future. We're deeply involved in product design, fund flow management, financial modeling, and decision-making at the highest levels. Now as part of Xero, our responsibilities have expanded to support not just Melio's rapid growth, but the broader integration and expansion strategy across the US market. We monitor performance metrics, model business scenarios, manage cross-border financial operations, and ensure we're building a sustainable, scalable business.

We're constantly improving our procedures, controls, and reporting systems to support our ambitious growth targets. You'll work alongside product, engineering, and business teams-making this a uniquely collaborative finance role where you're a strategic partner, not just a number-cruncher. If you want to do finance in a high-growth fintech environment where your analysis directly influences product and strategy decisions, this is the opportunity.

About Melio USA:

• Competitive compensation packages: We strive to make each and every employee feel valued and appreciated.
• The annual base salary range for this position is $125,000 - $145,000.
• Medical, Dental, and Vision: We offer generous and highly competitive plans with up to 100% employer-paid coverage, FSA and HSA.
• 401K matching and stock options: Feel the investment of working at a hyper-growth startup.
• Wellness: We take a holistic approach to wellness at Melio with a focus on providing financial, physical, emotional, social, and community support for our employees.
• Time Off: Time to rest and recharge is a priority for us. We offer competitive vacation time, sick days, holidays, parental leave and wedding days to allow you to take the time you need, when you need it.
• Food perks: Enjoy our fully stocked kitchens, along with a weekly Seamless stipend and plenty of catered meals each week.
• Office culture: Thrive in our collaborative offices in New York City or Denver, in a hybrid working environment. We are dog friendly as well!
• Growth and development: Lean on the diverse team to foster professional and personal growth through workshops, mentorship programs, and team building activities.

Melio builds business-to-business (B2B) payment tools so small business owners can spend less time in the back office and more time on their craft. As the fastest-growing B2B payment platform in the US, Melio is working hard to find new and better ways to help small businesses succeed in the ways that work best for them.

Melio's diversity, equity and inclusion efforts have always been a top priority within our team. We are an Equal Opportunity Employer, and all of our employees encompass different strengths, experiences and backgrounds. DEI within Melio prioritizes race, gender, age, disability status, veteran status, sexual orientation, religion and many other parts that make up one's identity. Having a diverse team across all offices is key to our success, and inclusion is each #TeaMelio member's responsibility. Melio accepts job applications on an ongoing basis until the position is filled. If you are interested in applying for this job opportunity, please do so directly on our careers page (or if you’re here already, scroll down and apply now!). This employer participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S.