Job Description

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