Company Mission

Payhawk is one AI-powered spend management platform for scaling businesses — corporate cards, expense management, procurement, and accounts payable, unified in one place. We serve finance teams across 32+ countries, cutting month-end close time and reconciling 99.7% of transactions with zero manual touch. AI runs through the platform as core infrastructure, not a bolted-on feature — and we hire the top 1% of talent in every function to keep building it that way.

Why Payhawk

Payhawk, where the bold builders make an impact.

We're not a family, we're a high-performance team — and that's deliberate. We debate, ideate, and push each other to be better, because the best ideas come from direct feedback. We've already made history as Bulgaria's first unicorn, but the ambition doesn't stop there: if you want to grow fast - own it; do not wait for it.

Give: Honest opinions, real ownership, a focus on outcomes.

Get: A front-row seat to a market leader in one of the fastest-moving industries.

What you will own

Safeguarding and regulatory compliance

Take direct responsibility for the safeguarding of client funds and the operation of PFSL’s safeguarding accounts.
Act as PFSL’s nominated individual for CASS safeguarding oversight.
Chair and organise the quarterly Safeguarding Committee: set the agenda, record the minutes and track every action to closure.
Lead the annual safeguarding audit. Manage the documentation and take the auditors through walk-throughs of processes and reconciliations.
Responsible for updating policies, processes and reconciliations as safeguarding requirements change, including the FCA’s PS25/12 safeguarding regime.
Make sure PFSL meets its regulatory capital obligations.
Be responsible for PFSL’s reporting to the FCA and other relevant regulatory and state institutions.
Prepare and present the quarterly update to the Board on financial performance, safeguarding status and operational risk.
Act as approver and risk owner for safeguarding and financial risks in new product launches.

Payment operations and the payments ecosystem

Oversee payment operations at PFSL. Keep processing in line with the entity’s risk appetite and regulatory obligations through regular reviews of operational processes, control frameworks and key risk indicators.
Monitor KPIs, processor performance and contractual service levels, and put corrective measures in place where they slip.
Oversee settlement with the card schemes and payment rails.
Manage PFSL’s relationships with card schemes, issuers, processors and banking partners, and work with them to resolve systemic operational issues.
Manage the Visa relationship for PFSL, including settlement escalations, collateral balances and future collateral requirements.
Manage banking relationships, including approval of new bank account set-ups, approval of certain payments and escalation of client queries (for example, global payments).
Lead PFSL through incidents, escalations and risk events, from first response to resolution and post-incident review.
Represent Payhawk at the monthly Electronic Money Association (EMA) meetings, bringing PFSL’s issues and views.
Work with the wider leadership team on provider relationships (card scheme, transactional banking) to build and optimise the e-money institution setup and its costs.

Financial controls and reconciliations

Be responsible for the performance and validation of daily reconciliations of safeguarded and settlement accounts.
Keep accurate records of daily transactions.
Monitor liquidity in settlement and operational accounts, and request or approve operational transfers where needed.
Manage currency balances and conversions in line with Group policy.
Own the implementation and enforcement of internal policies on payment processing operations, liquidity monitoring, safeguarding processes and oversight of service providers.
Oversee PFSL’s financial performance and financial operations, keeping them accurate, controlled and delivered on time.

Group, entity and team

Work with the HQ finance team on group financial reporting.