---
title: 'Senior FP&A Analyst at Melio'
canonical: 'https://feeny.ai/job/senior-fp-a-analyst-melio-new-york-2ecxe23z4aeh'
type: 'job'
last_seen: '2026-09-07'
---

# Senior FP&A Analyst at Melio

- **Company:** Melio
- **Location:** New York, NY
- **Posted:** 2026-07-30
- **Last confirmed live:** 2026-09-07
- **Apply:** https://job-boards.greenhouse.io/melio/jobs/7822216003

## Job description

Senior FP&A analyst Location: Hybrid in New York City (3 day in-office requirement)

Qualifications:

- 4+ years of experience as an FP&A analyst, ideally in a high-growth or fintech environment
- Advanced Excel and Google Sheets skills - you build robust models, tools, and processes that automate much of your own work
- Strong business acumen and strategic thinking, with the ability to find the levers in an operating model and translate them into actionable insight
- Proficiency with AI tools and automation to accelerate analysis and reporting
- A track record of owning budget and rolling-forecast cycles end to end
- Outstanding communication and business-partnering skills with senior stakeholders, both within Finance and across the wider business
- Exceptional attention to detail and accuracy, with a high level of ownership and the ability to prioritize and deliver independently
- Bachelor's degree in Finance, Economics, Accounting, or a related field

Bonus points

- Hands-on experience with an ERP or planning system. Anaplan in particular is a strong advantage
- Strong understanding of underlying business drivers and SaaS metrics (MRR, S&M efficiency, funnel metrics)
- Experience at a company operating across multiple entities, or reporting into a parent or global company
- A history of improving and automating FP&A processes and reporting
- Exposure to additional financial reporting systems and data sources (e.g. Pigment, NetSuite)

A day in the life and how you’ll make an impact:

- Own the FP&A side of our Sales and GTM incentive plans and spend, building and maintaining the related budget and rolling forecast
- Support OPEX planning and tracking across budget, forecast, and monthly performance
- Lead monthly and quarterly budget-vs-actual reporting and performance decks, translating results into clear insights for senior management
- Partner with leaders across GTM, Finance, Strategy, and BizDev as a trusted advisor
- Contribute to Melio’s top-line revenue planning and forecasting as part of a broader team effort, owning your defined piece of the process
- Build financial models to support forecasts, scenario planning, and ad-hoc strategic requests
- Play an active role in the monthly close process and support the investor package
- Serve as a key finance connection to Xero's regional and GTM finance teams, aligning metric definitions, reporting standards, and planning cadences across the two entities
- Drive improvements and automation across FP&A processes and reporting

About the team:

The Finance department plays a strategic role in shaping Melio's future. We're deeply involved in product design, fund flow management, financial modeling, and decision-making at the highest levels. Now as part of Xero, our responsibilities have expanded to support not just Melio's rapid growth, but the broader integration and expansion strategy across the US market. We monitor performance metrics, model business scenarios, manage cross-border financial operations, and ensure we're building a sustainable, scalable business.

We're constantly improving our procedures, controls, and reporting systems to support our ambitious growth targets. You'll work alongside product, engineering, and business teams-making this a uniquely collaborative finance role where you're a strategic partner, not just a number-cruncher. If you want to do finance in a high-growth fintech environment where your analysis directly influences product and strategy decisions, this is the opportunity.

About Melio USA:

- Competitive compensation packages: We strive to make each and every employee feel valued and appreciated.
- The annual base salary range for this position is $125,000 - $145,000.
- Medical, Dental, and Vision: We offer generous and highly competitive plans with up to 100% employer-paid coverage, FSA and HSA.
- 401K matching: Feel the investment of working at a fast growing company.
- Wellness: We take a holistic approach to wellness at Melio with a focus on providing financial, physical, emotional, social, and community support for our employees.
- Time Off: Time to rest and recharge is a priority for us. We offer competitive vacation time, sick days, holidays, parental leave and wedding days to allow you to take the time you need, when you need it.
- Food perks: Enjoy our fully stocked kitchens, along with a weekly Seamless stipend and plenty of catered meals each week.
- Office culture: Thrive in our collaborative offices in New York City or Denver, in a hybrid working environment. We are dog friendly as well!
- Growth and development: Lean on the diverse team to foster professional and personal growth through workshops, mentorship programs, and team building activities.

Melio builds business-to-business (B2B) payment tools so small business owners can spend less time in the back office and more time on their craft. As the fastest-growing B2B payment platform in the US, Melio is working hard to find new and better ways to help small businesses succeed in the ways that work best for them.

Melio's diversity, equity and inclusion efforts have always been a top priority within our team. We are an Equal Opportunity Employer, and all of our employees encompass different strengths, experiences and backgrounds. DEI within Melio prioritizes race, gender, age, disability status, veteran status, sexual orientation, religion and many other parts that make up one's identity. Having a diverse team across all offices is key to our success, and inclusion is each #TeaMelio member's responsibility. Melio accepts job applications on an ongoing basis until the position is filled. If you are interested in applying for this job opportunity, please do so directly on our [careers page](https://www.lifeatmelio.com/) (or if you’re here already, scroll down and apply now!). This employer participates in[E-Verify](https://drive.google.com/file/d/1Hav72jolloAjHVMjwrj4mTymQA7Uw1je/view) and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S.

## About Melio

## Company Overview
- **One-liner**: Melio provides a B2B payment platform that enables small businesses to pay and get paid using their preferred methods, including bank transfers, credit cards, and checks, with integrated AI-powered automation.
- **Entity Type**: Private (Acquired by Xero in June 2025 for $2.5B–$3B)
- **Headquarters**: New York, New York, USA (with offices in Denver, Colorado, and Tel Aviv, Israel)
- **Founded**: 2018
- **Founders**: Matan Bar, Ilan Atias, and Ziv Paz

## Core Business
- **Primary industry**: B2B Payments / Fintech / Accounts Payable & Receivable
- **Target customers**: Small and medium-sized businesses (SMBs), bookkeepers, accountants, and CFOs in the United States.
- **Mission or purpose statement**: "To simplify business payments" and "equip businesses and their advisors with the tools they need to thrive in any environment."

## Products & Services
- **Melio Bill Pay (AP)**: A platform for businesses to pay vendors, contractors, and any business bill using ACH, credit card, wire, international transfer, or check. Includes features like approval workflows, batch payments, recurring payments, and vendor credit management. (SaaS)
- **Melio Invoicing (AR)**: A tool for creating professional, branded invoices and getting paid quickly and securely, with automated collection processes and live accounting software sync. (SaaS)
- **Agent Mel (AI Assistant)**: An AI-powered payment assistant that provides instant answers about bills, payments, and vendors, and automates bill entry and workflows. (AI Feature)
- **Melio Accounting Partner Program**: A program for accounting firms to manage client payments, automate approval workflows, and gain visibility across all client payments. (Service/Platform)
- **Embedded Payments (API/Partnerships)**: Solutions for financial institutions, software providers, and marketplaces to embed AP and AR solutions directly into their platforms. (API/Platform)

## Market Standing
- **Valuation/Market Cap**: Acquired by Xero in June 2025 for a deal valued between $2.5B and $3B.
- **Key Metric**: Total funding raised of $638M prior to acquisition. The platform processes tens of billions of dollars annually for over 100,000 businesses.
- **Notable Investors/Partners**: Fiserv, Capital One, Bessemer Venture Partners, Stripes, General Catalyst, and others. Partners include Xero, QuickBooks, Gusto, Amazon Business, and NetSuite.
- **Growth Signals**: Acquired by Xero in 2025 for up to $3B; processes tens of billions of dollars annually; serves over 100,000 businesses; launched AI assistant 'Agent Mel'; partnered with Amazon Business and Gusto; raised $150M from Fiserv and Capital One in 2025.

## Competitive Advantages
- **Deep Integrations**: Seamless 2-way sync with major accounting software (QuickBooks, Xero, NetSuite), making it a core part of a business's financial workflow.
- **Payment Flexibility**: Allows businesses to pay by credit card even where cards aren't accepted, and to pay over time (up to 12 installments), improving cash flow management.
- **AI-Powered Automation**: Features like AI bill capture and the 'Agent Mel' assistant reduce manual data entry and streamline AP/AR processes.
- **Strong Partner Ecosystem**: Embedded payment solutions for major platforms (Amazon Business, Gusto) and partnerships with leading financial institutions (Fiserv, Capital One).

## Strategic Focus
- **AI Integration**: Deepening AI capabilities to automate bill entry, workflows, and provide intelligent assistance (Agent Mel).
- **Global Payments**: Expanding international payment capabilities for vendors in their preferred currencies.
- **Platform Embedding**: Growing its embedded payments business by partnering with more financial institutions, software providers, and marketplaces.
- **Post-Acquisition Growth**: Leveraging Xero's global reach and resources to scale the platform and expand its customer base.

## Why Work Here
- **Culture & Mission**: A mission-driven company focused on simplifying business payments and helping small businesses succeed. The team is described as passionate about solving real-world problems for business owners and their advisors.
- **Growth & Impact**: As the "fastest-growing B2B payment platform in the US" (per their careers page), employees have the opportunity to work on a platform processing tens of billions of dollars annually, with significant impact on small businesses.
- **Work Environment**: Hybrid/office model with locations in New York City, Denver, and Tel Aviv. The company emphasizes a collaborative, fast-paced environment.
- **Engineering & AI Focus**: Strong emphasis on AI and automation (e.g., Agent Mel), offering engineers the chance to work on cutting-edge AI-powered financial tools.
- **Team Size**: Over 600 employees, indicating a mature but still growing organization.

## Sources
1. [meliopayments.com](https://meliopayments.com/)
2. [meliopayments.com/about-us](https://meliopayments.com/about-us/)
3. [job-boards.greenhouse.io/melio](https://job-boards.greenhouse.io/melio)
4. [cbinsights.com](https://www.cbinsights.com/company/melio)
5. [linkedin.com](https://www.linkedin.com/company/meliopayments)

## Other roles at Melio

- [Senior Data Analyst](https://feeny.ai/job/senior-data-analyst-melio-tel-aviv-yafo-26cfads1vygp) — Tel Aviv-Yafo, Israel
- [Engineering Manager, AP](https://feeny.ai/job/engineering-manager-ap-melio-tel-aviv-dxnm1a8dngrv) — Tel Aviv, Israel
- [Senior Accountant](https://feeny.ai/job/senior-accountant-melio-new-york-2x1d2h10zeg0) — New York, NY
- [Senior Account Executive, Strategic Partnerships & Affiliates](https://feeny.ai/job/senior-account-executive-strategic-partnerships-affiliates-melio-united-states-m5gdkwd1x5qz) — United States
- [Senior Account Executive - UHV Payors](https://feeny.ai/job/senior-account-executive-uhv-payors-melio-united-states-db704qxwcavb) — United States
- [Sales Development Representative](https://feeny.ai/job/sales-development-representative-melio-united-states-rs836sv6kveq) — United States
- [Risk Operations Specialist](https://feeny.ai/job/risk-operations-specialist-melio-denver-4366ndv8c2m3) — Denver, CO
- [Senior Backend Engineer](https://feeny.ai/job/senior-backend-engineer-melio-tel-aviv-cbyzwe8dg26r) — Tel Aviv, Israel
- [Backend Engineer](https://feeny.ai/job/backend-engineer-melio-tel-aviv-7qdtw1sk5wzn) — Tel Aviv, Israel
- [Senior Product Manager](https://feeny.ai/job/senior-product-manager-melio-new-york-bx0y22wphx7s) — New York, NY