This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Head of Finance based in Portugal.

This is a senior leadership opportunity to build and lead a modern Finance function within a fast-growing international payments environment.
You will own management reporting, financial control, budgeting, settlements, cash-flow planning, and financial process optimization.
The role combines strategic leadership with hands-on ownership of financial models, reporting logic, reconciliations, and operational controls.
You will partner closely with Data, Development, Treasury, and executive leadership to turn complex financial information into actionable business insights.
A key focus will be replacing manual processes with reliable, automated reporting and scalable financial workflows.
You will also oversee financial operations across multiple legal entities, currencies, products, merchants, and payment methods.
This role is ideal for an experienced finance leader who thrives on ownership, transformation, and working in a data-driven, international environment.

• Own end-to-end management reporting, including P&L, Cash Flow Statement, Balance Sheet, plan-vs-actual analysis, and profitability reporting across products, merchants, payment methods, and legal entities.
• Build and maintain the budgeting and forecasting cycle, including operating budgets, payment calendars, cash-flow forecasts, gap analysis, scenario planning, and obligation tracking.
• Design and operate a robust financial control framework covering regular reconciliations, discrepancy classification, resolution SLAs, approval workflows, audit trails, and manual adjustment controls.
• Manage merchant settlements, including settlement calculations, provider fees, minimum fees, surcharges, refunds, chargebacks, FX conversions, and balance transfers.
• Oversee finance across multiple legal entities, currencies, and intercompany transactions, including consolidated reporting and preparation of information for statutory accounting and external audits.
• Serve as the business owner for financial automation by defining financial logic, KPIs, formulas, data sources, requirements, and acceptance criteria for dashboards and reports.
• Collaborate with Data Analysts, Data Engineers, and Development teams to validate financial outputs, identify discrepancies, and prioritize automation initiatives based on business impact.
• Lead, structure, and develop the Finance team by defining responsibilities, hiring where needed, establishing accountability, and driving continuous process improvement.
• Report financial performance, risks, forecasts, and business insights to the CEO, founders, and senior leadership in clear, commercially focused language.
• Establish clear operating boundaries between Finance, Treasury, and Data while maintaining effective collaboration across these functions.
• Develop a scalable Finance function capable of supporting growth across multiple markets, entities, currencies, and transaction volumes.

• 8+ years of experience in Finance, including at least 3 years managing a finance team or function.
• Professional background in fintech, payments/PSP, acquiring, EMI, banking, crypto payments, or another high-volume transactional business.
• Proven experience building or transforming financial processes, particularly moving from manual Excel-based reporting toward automated data pipelines and reporting.
• Strong experience managing multiple legal entities, currencies, and intercompany operations.
• Hands-on ownership of P&L, Cash Flow, Balance Sheet, plan-vs-actual reporting, and financial forecasting.
• Ability to define financial metrics, establish standardized calculation methodologies, and develop unit economics and profitability analysis by product, customer, channel, or business line.
• Strong understanding of payment flows, including settlement cycles, provider fees, processing and clearing costs, refunds, chargebacks, FX conversions, and balance transfers.
• Ability to trace financial results from individual transactions through consolidated financial statements.
• Practical experience organizing reconciliations between internal systems, PSPs, banks, obligations, and actual payouts, including discrepancy classification and resolution processes.
• Knowledge of financial controls such as separation of duties, approval workflows, audit trails, thresholds, SLAs, and manual adjustment controls.
• Experience translating financial requirements into clear specifications for Data Analysts, Data Engineers, and Development teams.
• Advanced Excel or Google Sheets skills, including financial modeling and analysis.
• Experience with BI tools such as Power BI, Tableau, Grafana, Looker Studio, or comparable platforms.
• Comfortable working with large datasets and validating financial calculations against source data.
• Experience presenting financial results and strategic insights to C-level executives and board-level stakeholders.
• Professional English proficiency at B2+ level or higher, with the ability to communicate effectively with international customers, banks, PSPs, and business partners.
• Strong leadership, ownership, analytical, communication, and problem-solving skills, with the ability to operate effectively in a rapidly changing environment.

Nice to have:

• Hands-on experience with crypto payments, including on-ramp/off-ramp operations, crypto-fiat and crypto-crypto conversions, blockchain fees, or wallet balance reconciliation.
• SQL knowledge and experience with BigQuery or other data warehouses.
• Experience implementing ERP, reconciliation, or treasury management systems.
• Experience working with European PSPs, EMIs, banks, or other international financial institutions.
• Experience building a Finance department from scratch or leading a significant finance transformation.
• External audit experience and familiarity with international finance environments.
• Experience managing distributed or remote Finance teams.

• Fully remote position within an international organization.
• Competitive salary based on experience and individual performance.
• Direct reporting line to the founders and CEO with significant ownership of the Finance function.
• Established Data Platform, automated reconciliations, and data-quality controls already in place.
• Dedicated Data team available to support financial automation and reporting initiatives.
• Existing Finance team ready to support the next stage of organizational development.
• Separate Treasury function responsible for execution, allowing Finance to focus on strategy, reporting, controls, and oversight.
• Clear six-month mandate to establish a structured Finance function, automate P&L reporting, implement regular cash-flow forecasting, and strengthen merchant settlement controls.
• Opportunities for career growth as the business expands across entities, currencies, products, and markets.
• Data-driven working environment focused on ownership, transparency, open communication, and measurable impact.