Director, Payments & Financial Services

This is a fully remote position, open to applicants in United States.

📋 Description

• Manage the daily operations of the Payments business and achieve in-year P&L impact across Payments and Financial Services.

• Take ownership of weekly business assessments, monthly business reviews, P&L evaluations, and KPI reporting in collaboration with FP&A and Data & Analytics.

• Responsible for TPV and revenue forecasts, driving initiatives to meet net revenue, TPV, and Payments-attached-user goals.

• Convert performance insights into executive-ready recommendations.

• Spearhead high-value initiatives such as surcharging, repricing, AutoPay, Optimized Payments/interchange, BNPL, and launches of embedded partners.

• Oversee the Payments portfolio, prioritize initiatives, influence resource distribution, and ensure accountability among cross-functional partners.

• Manage payouts, reconciliation processes, processor and payout workflows, and automation for cost/error/support reduction.

• Supervise 1099 operations, compliance reviews, PayFac sub-merchant controls, chargebacks, fraud monitoring, and merchant-default oversight.

• Handle vendor and partner onboarding along with the operational performance, including uptime, SLAs, security, and compliance standards.

• Manage daily relations with Stripe and assist in negotiations with BNPL providers, processors, and card networks.

• Develop high-value customer strategies, strategic account pricing, repricing, and pricing guardrails.

• Collaborate with Product, Engineering, Marketing, Sales, Operations, Support, and Risk to achieve desired outcomes.

• Chair Payments leadership forums and represent the business in cross-LOB and executive discussions.

• Collaborate with Risk and Finance on risk strategies, compliance reviews, and regulatory requirements.

• Monitor changes in the payments and fintech ecosystem, translating them into actionable strategies.

• Own short-term strategies and partner with the GM on annual and 2027 planning.

• Assist in positioning, PMM, GTM thesis, adjacent product expansion, business cases, ROI models, and post-launch accountability.

⛳️ Requirements

• Minimum of 8 years of experience in payments, fintech, embedded finance, or SaaS financial services, with proven commercial ownership in revenue, margin, pricing, or partner economics.

• Extensive, hands-on knowledge of processing and interchange, PayFac/sub-merchant models, BNPL, TPV and attach-rate dynamics, pricing, repricing, and margin management.

• Demonstrated experience in owning or delivering to a P&L, along with strong financial and analytical skills.

• Proven track record of leading cross-functional execution involving Product, Engineering, Marketing, Sales, Operations, Support, and Risk teams.

• Experience managing external partners, processors, or networks, including Stripe, card networks, or BNPL providers.

• Excellent executive communication and influence skills without direct authority.

• Ability to operate both strategically and tactically in a fast-paced, dynamic environment with a strong execution bias.

• Bachelor's degree in Business, Finance, Economics, or a related discipline.

🏝️ Benefits

• Comprehensive health and wellness benefits.

• Generous time off, including a flexible vacation policy.

• Retirement savings program or pension plan matched to your local office.

• Stock options available for every full-time employee.

• Parental leave and support for new parents.

• Annual healthy living credit.

• Extensive medical and dental coverage.

• Fertility and gender-affirming benefits based on your region.

• Peer Recognition Program.

• Employee Assistance Program.

• Headphone credit.

• Meaningful in-person gatherings for both onsite and remote employees.

• Attractive office environments located in Toronto, Amsterdam, and San Luis Potosi.

• Home office credit for those without access to a FreshBooks office.

• Supportive peer groups, mentors, and leadership.

• Comprehensive onboarding for new hires.

• Opportunities for career development through ongoing coaching, training, and on-the-job learning.