Head of Commercial Finance

Why PayNet / Why Now

• PayNet is scaling products, platforms, and partnerships that require sharper commercial discipline at decision points.
• Regulatory and stakeholder expectations on pricing, transparency and financial robustness are rising.
• Pricing, cost, and margin choices now directly shape sustainability and competitiveness across the ecosystem.

TL; DR

• Own pricing logic, cost discipline, and margin outcomes across products and platforms.
• Shape investment and partnership decisions through clear financial judgment.
• Challenge business cases to ensure economics are sound, scalable, and defensible.
• Make cost, margin, and return drivers visible to guide where PayNet scales, invests, or pulls back.

Why This Role Matters

• Shape pricing and cost clarity to sustain margins and platform viability.
• Implement disciplined capital allocation decisions through robust investment evaluation.
• Elevate business decisions through strong commercial challenge and judgment.
• Bring transparency to cost, margin, and return drivers across products and platforms.
• Strengthen trust by ensuring PayNet’s commercial decisions are transparent, defensible, and financially sound.

What You Will Actually Do

• Own pricing frameworks across products and platforms, including cost‑plus and margin scenarios.
• Shape investment decisions through cost‑benefit and return analysis.
• Build and drive visibility of unit cost economics across products, platforms, and subsidiaries.
• Challenge deal structures and business proposals to strengthen financial outcomes.
• Influence pricing reviews and regulatory submissions with robust financial input.
• Make ecosystem-level decisions, including setting liquidity and FX policy for cross‑border flows with ecosystem partners.

Examples of This Role in Practice

• Reshaping pricing to reflect true costs while balancing adoption and margins.
• Reframing investment proposals to clarify returns and trade‑offs.
• Challenging JV or partnership terms to strengthen long‑term value.
• Strengthening regulatory submissions with clear cost and margin logic.
• Defining liquidity and FX approach for cross‑border flows with ecosystem partners.

What Will Help You Succeed

• Strong judgment on pricing, cost structures, and financial trade‑offs.
• Ability to translate complex financials into clear commercial insights.
• Track record in investment evaluation, deal review, or commercial finance.
• Confidence to challenge senior stakeholders and influence decisions.
• Comfortable leading a small team while influencing decisions across senior stakeholders and enterprise priorities.