Manager, Financial Planning & Analysis

Location: Chennai, Tamil Nadu, India

The Company

PayPal has been revolutionizing commerce globally for more than 25 years. Creating innovative experiences that make moving money, selling, and shopping simple, personalized, and secure, PayPal empowers consumers and businesses in approximately 200 markets to join and thrive in the global economy.

We operate a global, two-sided network at scale that connects hundreds of millions of merchants and consumers. We help merchants and consumers connect, transact, and complete payments, whether they are online or in person. PayPal is more than a connection to third-party payment networks. We provide proprietary payment solutions accepted by merchants that enable the completion of payments on our platform on behalf of our customers.

We offer our customers the flexibility to use their accounts to purchase and receive payments for goods and services, as well as the ability to transfer and withdraw funds. We enable consumers to exchange funds more safely with merchants using a variety of funding sources, which may include a bank account, a PayPal or Venmo account balance, PayPal and Venmo branded credit products, a credit card, a debit card, certain cryptocurrencies, or other stored value products such as gift cards, and eligible credit card rewards.

Our PayPal, Venmo, and Xoom products also make it safer and simpler for friends and family to transfer funds to each other. We offer merchants an end-to-end payments solution that provides authorization and settlement capabilities, as well as instant access to funds and payouts. We also help merchants connect with their customers, process exchanges and returns, and manage risk. We enable consumers to engage in cross-border shopping and merchants to extend their global reach while reducing the complexity and friction involved in enabling cross-border trade.

Our beliefs are the foundation for how we conduct business every day. We live each day guided by our core values of Inclusion, Innovation, Collaboration, and Wellness. Together, our values ensure that we work together as one global team with our customers at the center of everything we do – and they push us to ensure we take care of ourselves, each other, and our communities.

Job Summary

What you need to know about the role

We're looking for a Finance Manager to be the analytical engine behind our payments economics. You'll own the data, reporting and dashboards that explain how our Total Processing Volume (TPV), revenue and transaction expenses (interchange, scheme fees and processing fees) turn into transaction margin. Most of our pricing is Interchange++ (IC+), so cost changes flow through to revenue.

Meet our team

You'll join the Payments Finance team, reporting to the Senior Finance Manager. The team owns revenue and transaction expense performance for the business. We work closely with Accounting on month-end close and reconciliation, with Corporate Finance on forecasting and planning, and with Product on pricing and margin initiatives. We're a small, hands-on team that values curiosity, ownership and clear answers to messy questions.

Essential Responsibilities

• Facilitate collaborative engagement with business to cultivate strong partnership and unlock incremental value for the enterprise
• Ensure in-depth understanding of the business to proactively identify key business drivers
• Effectively communicate financial results & key drivers through concise & effective storytelling
• Streamline, improve, & automate designated workstreams and processes to drive efficiency
• Manage business case modeling, run deep dive analysis, and other ad-hoc financial analysis
• Monitor expense and headcount plan vs actual and provide analysis/recommendation for business partners and Finance team
• Work autonomously but in collaboration with teammates and business partners supporting a global business
• Guide the business through various finance-related tasks
• Own budgeting, forecasting, month-end close, variance analysis, and reporting
• Collaborate with cross-functional teams such as Controllership, Corporate FP&A, Legal, and a broad group of business stakeholders

Minimum Qualifications

5+ years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience.

Additional Responsibilities & Preferred Qualifications

Your way to impact

• Turn transaction-level data into clear insight on what is driving take rate, TE rate and margin: mix, card type, region, merchant segment, scheme fee changes and more.
• Build the dashboards leadership uses to monitor payments performance, replacing manual spreadsheets with scalable, automated reporting.
• Find margin opportunities, such as interchange optimization, scheme fee leakage, IC+ pass-through gaps and pricing outliers, and size them for Product and leadership.
• Improve the accuracy of forecasts by giving Corporate Finance reliable volume and rate drivers.
• Strengthen the link between operational data and the general ledger so our numbers tie out.

In your day-to-day role you will be responsible for

• Writing and maintaining SQL queries to pull and transform transaction, revenue and cost data.
• Building and maintaining dashboards in [Tableau / Looker / Power BI] tracking TPV, revenue, transaction expenses, take rate, TE rate and margin.
• Running monthly and quarterly variance analysis (actual vs. forecast vs. prior period) and explaining the drivers in plain language.
• Supporting month-end close by reconciling revenue and transaction expenses with Accounting.
• Monitoring scheme fee and interchange changes and quantifying their impact on cost and pass-through.
• Doing ad hoc deep dives for leadership and Product, for example merchant profitability or pricing scenarios.
• Documenting data definitions and metric logic so everyone uses one version of the truth.
• What do you need to bring: