Job Opportunities API

ABOUT US Pliant is a European fintech specializing in B2B payment solutions. Our modular, API-first platform helps businesses streamline spending, improve cash flow, and integrate payments into their financial workflows. Designed for industries with complex payment needs, such as travel and fleet, Pliant enables greater efficiency, control, and profitability. We serve two primary customer segments: - Companies looking to optimize operational processes through intuitive apps and APIs, gaining control, automation, and financial flexibility through extended credit lines. - Businesses such as financial software platforms, ERP providers, and banks that want to launch or enhance their credit card offerings using Pliant’s embedded finance and white-label solutions. Founded in 2020 and headquartered in Berlin, Pliant supports over 4,000 businesses and more than 20 partners globally. As a licensed e-money institution (EMI), we issue credit cards in 11 currencies across more than 30 countries, helping companies streamline and simplify payments. Learn more at http://www.getpliant.com/www.getpliant.com http://www.getpliant.com ABOUT THE ROLE Pliant is scaling fast — and FP&A is at the centre of how we navigate that growth. This is a senior individual contributor role with real breadth: you will work across planning, modelling, and analysis, and partner directly with business leaders to drive better decisions. This is not just a process-maintenance role. You will be building the financial intelligence that shapes how Pliant allocates capital, understands its customers, and plans for the future. There is meaningful scope here for someone who combines rigorous analytical skills with commercial curiosity. WHAT YOU’LL DO 1. FINANCIAL MODELLING - Own and evolve Pliant’s core financial model — integrating P&L, balance sheet, cash flow, and entity breakdowns & consolidations as well as KPI outputs into a single, reliable, well-documented source of truth. - Build bespoke models, scenario & sensitivity analyses to support strategic decisions — new market entry, pricing changes, funding rounds, investment cases, and M&A analysis — with transparent assumptions and clear outputs. - Lead the next generation of modelling infrastructure: improving flexibility, scenario capability, and auditability, and maintaining a library of templates and best practice. - Bring intellectual rigour to every model — challenging inputs, pressure-testing logic, and communicating uncertainty clearly. 2. Budgeting & forecasting - Support the annual budgeting cycle and rolling forecast process, coordinating inputs from across the business. - Build and maintain headcount, opex, and revenue forecast models that are both granular and scalable. - Develop scenario and sensitivity analyses to support executive decision-making and capital planning. - Ensure forecasts are grounded in operational reality — working closely with business partners, especially peer role of Financial Accounting & Controlling, to stress-test assumptions. 3. Business partnering - Serve as the primary FP&A point of contact for the business functions (e.g. GTM, Product, Engineering) as well as management on Finance (e.g. financial audits, Due Diligence, RfPs). - Translate financial data into clear, decision-ready insights for non-finance stakeholders. - Support hiring decisions, spend reviews, and investment cases with data-driven analysis. - Build trusted relationships across the business — challenging assumptions constructively and bringing financial discipline to operational decisions. 4. Cohort & profitability analysis - Build and maintain cohort models to track customer behaviour, retention, and lifetime value across Pliant’s customer segments. - Develop unit economics frameworks — LTV/CAC, contribution margin, payback period — and keep them current as the business evolves. - Analyse profitability at the product, se