Commercial Finance Analyst

This is a fully remote position, open to applicants in Philippines, +3 more countries.

📋 Description

• Oversee daily spending on acquisitions, revenue, ROI, ROAS, CAC, contribution margin, and CAC payback; investigate variations and suggest actions.

• Evaluate performance across brands, markets, channels, and customer cohorts.

• Develop models and scenarios to evaluate spending distribution and growth potential.

• Provide recommendations based on profitability, cash flow needs, and the strength of evidence.

• Collaborate with Marketing and Operations to question assumptions, prioritize opportunities, and assess changes.

• Present a concise daily performance report highlighting key movements, commercial impacts, and suggested actions.

• Enhance dashboards to enable teams to respond swiftly.

• Analyze purchasing and customer cohort trends, including average order value, purchase frequency, repeat purchases, retention rates, refunds, and chargebacks.

• Monitor LTV, LTV-to-CAC ratios, and cohort profitability.

• Assess subscription recurring revenue, renewals, churn, failed payments, and payment recovery processes.

• Manage merchant account and processor spending or volume limits, usage, capacity, and reset timelines.

• Compare processors based on effective costs, approval rates, settlement speeds, reserves, payout reliability, and chargeback risks.

• Offer guidance on directing payment traffic and revenue towards more cost-effective merchants and processors.

• Coordinate approved routing adjustments with Operations and evaluate their effects.

• Maintain a daily overview of anticipated settlements, reserve releases, and cash at risk.

• Take ownership of end-to-end reconciliation across payment processors, including reserves.

• Reconcile transactions, fees, refunds, chargebacks, settlements, and bank deposits against internal records.

• Investigate discrepancies, unusual payment trends, payout delays, and unexpected holds.

• Monitor reserve balances, release schedules, processor balances, and aging receivables.

• Provide scheduled reconciliation reports.

• Enhance reconciliation workflows and controls while ensuring accuracy and traceability.

⛳️ Requirements

• 2–5 years of pertinent experience in commercial finance, business analysis, financial analysis, payments analytics, or a related analytical role.

• Examples of insights that have impacted business decisions.

• Strong understanding of eCommerce economics, including acquisition spending, ROI, ROAS, CAC, LTV, contribution margin, retention, and cohort analysis.

• Practical experience in payment processing and reconciliation.

• Knowledge of settlement cycles, processing fees, rolling and fixed reserves, refunds, and chargebacks.

• Proficient in Excel or Google Sheets for modeling and analysis.

• Comfortable working with transaction and customer datasets.

• Sufficient accounting knowledge to accurately reconcile sales, settlements, and bank receipts.

• Experience in DTC or subscription eCommerce, particularly in analyzing customer cohorts, retention, and acquisition economics.

• Experience with higher-risk payment processing, including reserves and complex settlements.

• Familiarity with merchant cap management, routing analysis, disputes, or multi-currency reconciliation.

• Background in forensic accounting, investigative analysis, or transaction investigations.

• Familiarity with Shopify, CheckoutChamp, or similar platforms; experience with dashboard tools, SQL, or accounting software.

• A curious and investigative mindset.

• A commercially-driven approach.

• A proactive and practical attitude.

• Comfortable navigating ambiguity and incomplete data.

• Collaborative and ready to constructively challenge ideas.

• Accountable and detail-oriented.

• Ability to work in a fully remote, asynchronous environment.

🏝️ Benefits

• Paid leave.

• Health Maintenance Organization (HMO) coverage.

• Allowances.

• Opportunity to work directly with the CFO and influence commercial decisions across three expanding consumer brands.

• A remote-first, results-oriented team that measures performance based on outcomes.