Senior Strategic Finance Manager, Mobility Payments

About team / role

WEX is seeking a senior-level individual contributor with deep payments and card-industry economics expertise to own and elevate financial decision-making in our mobility payments portfolios.

The Financial Architect of our Mobility portfolios—balancing revenue growth with credit-risk appetite and capital efficiency.  This role will serve as the economic authority for payments—integrating unit economics, credit and funding impacts, partner and network economics, pricing, and behavioral insights into clear, actionable recommendations for executive leadership.

How you'll make an impact

1. Own Payments Unit Economics & Portfolio Profitability

Lead end-to-end modeling of true unit economics, including:

Interchange and fee revenue

Rewards liability and breakage

Credit losses and timing

Cost of funds and balance-sheet usage

Build and maintain cohort- and segment-level profitability views

Evaluate portfolio decisions through LTV and contribution margin lenses

2. Finance-Owned Credit & Risk Translation

Partner with Risk to translate:

Utilization curves

Delinquency and loss behavior

Expected loss assumptions
into financial forecasts and growth tradeoffs

Ensure risk assumptions are consistently embedded across:

Forecasts

Long-range plans

Pricing and portfolio decisions

Provide a finance-led perspective on growth vs loss vs capital tradeoffs

3. Partner, Network & Ecosystem Economics

Own financial evaluation of:

Revenue-share and referral structures

Network and processor fees

Partner-level profitability

Merchant-side economics

Advise Commercial teams on:

Value-accretive vs dilutive partnerships

Deal structures that scale portfolio value

Establish economic guardrails for partner strategy

4. Pricing & Portfolio Optimization

Lead pricing and portfolio optimization

Evaluate financial impact of:

Minimum due structures

Days-to-pay behavior

Credit-limit and line-assignment strategies

Integrate behavioral analytics into pricing and product decisions

Development of Product/Segment P&Ls

 Pricing and mix analysis: breakdown of revenue profile by account vintage (vintage performance)

5. Working Capital & Funding Strategy (with Treasury)

Model balance-sheet impacts of:

AR growth

Revolving balances

Portfolio mix shifts

Partner with Treasury to forecast funding needs and cost-of-capital implications

Analyze DSO dynamics across fleet card portfolio and translate into working capital intensity metrics or profitability impacts

6. Lead Payments Analytics & FP&A Capability

Own the integration of analytics outputs into finance decision frameworks

Set economic modeling standards and decision templates

Champion adoption of AI and automation-enabled analytics tools (e.g., Alteryx, Tableau, Python/SQL) to build scalable, repeatable modeling infrastructure; partner with the finance center of expertise on tool integration

Elevate Finance’s role as a strategic partner to Product, Risk, and Commercial teams

Experience you'll bring

Required Qualifications:

12-15+ years of experience in payments, cards, fintech, or network-based financial services

Deep hands-on experience with:

Interchange economics

Credit losses and funding mechanics

Portfolio-level unit economics

Background in strategic finance, product finance, or payments-focused FP&A

Proven ability to influence senior leaders across Product, Risk, and Commercial

Preferred Qualifications:

Issuer, network, or closed-loop ecosystem experience

SMB portfolio exposure

Experience with co-brand or partner portfolios

Core programming fluency with analytics and automation tools (e.g., SQL, Python, Alteryx, Tableau) and comfort operating in data-intensive, AI-augmented finance environments

The base pay range represents the anticipated low and high end of the pay range for this position. Actual pay rates will vary and will be based on various factors, such as your qualifications, skills, competencies, and proficiency for the role. Base pay is one component of WEX's total compensation package.

Most sales positions are eligible for commission under the terms of an applicable plan. Non-sales roles are typically eligible for a quarterly or annual bonus based on their role and applicable plan. WEX's comprehensive and market competitive benefits are designed to support your personal and professional well-being.

Benefits include health, dental and vision insurances, retirement savings plan, paid time off, health savings account, flexible spending accounts, life insurance, disability insurance, tuition reimbursement, and more. For more information, check out the "About Us" section.

Pay Range: $146,700.00 - $161,500.00