We are looking for a Finance Manager or Financial Analyst who can take ownership of the company's financial reporting, cost tracking and financial analytics. The ideal candidate should have experience with DTC / E-commerce and payment processing, or be willing to quickly learn the specifics of this area. The key requirement is the ability to understand the real economics of the business, including not only revenue and advertising costs, but also payment processing fees, refunds, chargebacks, alerts and other payment-related expenses.
Key Responsibilities
- Financial Reporting & Analytics
Build and maintain regular P&L reports. Build and maintain Cash Flow reports. Track revenue, COGS, gross profit, operating expenses and net profit. Track actual vs. planned expenses. Prepare weekly and monthly financial reports. Analyze profitability by product, GEO, channel or project when required. Build consolidated financial dashboards and reporting tables.
- Payment & Processing Analytics
The candidate should understand or be willing to learn: Credit card transactions. Payment processing fees. MDR / processing fees. Refunds. Chargebacks. Chargeback alerts. Failed / declined transactions. 3DS-related costs. PSP / payment gateway fees. MID-related costs. Rolling reserves. Payment provider payouts and settlements.
- Data Collection & Consolidation
The Finance Manager will collect and consolidate financial data from multiple sources, including: Bank accounts. PSPs and payment providers. Payment gateways. CRM / order management systems. Advertising platforms. Meta / Google and other traffic sources. Accounting systems. Internal spreadsheets and reports.
- Reconciliation
Reconcile bank transactions with internal financial data. Reconcile PSP settlements and payouts. Track refunds and chargebacks. Verify processing fees. Identify discrepancies between systems. Track pending balances and reserves. Monitor actual cash received vs. expected cash. Investigate and explain financial discrepancies.
- Operating Expenses & Payroll
The financial model should include all relevant business expenses, including: Employee salaries. Contractor payments. Bonuses and commissions. Advertising spend. Payment processing. Refunds. Chargebacks. Chargeback alerts. Fulfillment and shipping. Product / manufacturing costs. SaaS and software. Accounting and legal expenses. Other operational expenses. Financial Models & KPIs The candidate should be able to build and maintain reporting covering: Revenue. Net Revenue. Refunds. Chargebacks. Chargeback alerts. Payment processing fees. COGS. Advertising spend. Fulfillment / shipping. Payroll. Operating expenses. Gross Profit. Operating Profit. Net Profit. Cash In. Cash Out. Cash Balance. Cash Flow. Key ratios and metrics should also be tracked, including: Refund rate. Chargeback rate. Alert rate. Processing cost %. Advertising cost %. Payroll %. Operating expense %. Net margin. ROAS / ROI. Contribution margin.
Must have: Strong Excel / Google Sheets skills. Strong financial analysis skills. Ability to build and maintain P&L and Cash Flow models. Ability to work with large amounts of data. Strong attention to detail. Ability to reconcile data from multiple sources. Good understanding of business and unit economics. Ability to independently identify discrepancies and explain financial results.
Strong plus: Experience in DTC / E-commerce. Experience with subscription businesses. Experience with payment processing. Experience working with PSPs / MIDs / payment gateways. Understanding of refunds, chargebacks and chargeback alerts. Experience with Meta / Google advertising spend. Experience building financial models from scratch.