Commercial Finance Analyst

🔥 30 minutes ago

🌐 Philippines, Romania, +2 more countries – Remote

🇵🇭 Philippines – Remote 🇷🇴 Romania – Remote 🇲🇾 Malaysia – Remote 🇮🇳 India – Remote

⏰ Full Time

🟢 Junior

🟡 Mid-level

💸 Financial Planning and Analysis (FP&A)

🚫👨‍🎓 No degree required

👻 Ghost score 12%

What it means: the chance that no one is really hiring for this job.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

Apply Now

Find Similar Remote Jobs

AJ Media

WebsiteLinkedInAll Job Openings

11 - 50 employees

📣 Marketing

💼 Consulting

🤝 B2B

Marketing • Consulting • B2B

AJ Media is a strategic performance marketing firm that helps partners achieve high-quality, profitable customer and lead acquisition. It emphasizes deep collaboration and takes ownership of growth targets, using a systematic approach that combines sophisticated statistical models with tactical market research to identify and exploit market inefficiencies. The firm focuses on measurable results and consistent over-delivery for its clients.

📋 Description

• Monitor daily acquisition spend, revenue, ROI, ROAS, CAC, contribution margin and CAC payback; investigate changes and recommend actions • Analyse performance by brand, market, channel and customer cohort • Build models and scenarios to assess spend allocation and growth opportunities • Make recommendations based on profitability, cash requirements and evidence strength • Work with Marketing and Operations to challenge assumptions, prioritise opportunities and evaluate changes • Deliver a concise daily performance update with key movements, commercial implications and recommended actions • Improve dashboards so teams can act quickly • Monitor purchasing and customer cohort patterns, including average order value, purchase frequency, repeat purchases, retention, refunds and chargebacks • Track LTV, LTV-to-CAC and cohort profitability • Analyse subscription recurring revenue, renewals, churn, failed payments and payment recovery • Manage merchant account and processor spend or volume caps, utilisation, capacity and reset dates • Compare processors on effective cost, approval rates, settlement speed, reserves, payout reliability and chargeback exposure • Advise on payment traffic and revenue routing toward lower-cost merchants and processors • Coordinate approved routing changes with Operations and measure impact • Maintain a daily view of expected settlements, reserve releases and cash at risk • Own end-to-end reconciliation across payment processors, including reserves • Reconcile transactions, fees, refunds, chargebacks, settlements and bank deposits against internal records • Investigate discrepancies, unusual payment patterns, payout delays and unexpected holds • Track reserve balances, release schedules, processor balances and ageing receivables • Provide reconciliation reports on schedule • Improve reconciliation workflows and controls while preserving accuracy and traceability

🎯 Requirements

• 2–5 years of relevant experience in commercial finance, business analysis, financial analysis, payments analytics or a similarly analytical role • Examples of insights that influenced a business decision • Solid understanding of eCommerce economics, including acquisition spend, ROI, ROAS, CAC, LTV, contribution margin, retention and cohort analysis • Hands-on payment processing and reconciliation experience • Understanding of settlement cycles, processing fees, rolling and fixed reserves, refunds and chargebacks • Strong Excel or Google Sheets skills for modelling and analysis • Confidence working with transaction and customer datasets • Enough accounting knowledge to reconcile sales, settlements and bank receipts accurately • DTC or subscription eCommerce experience, particularly analysing customer cohorts, retention and acquisition economics • Private or higher-risk payment processing experience involving reserves and complex settlements • Experience with merchant cap management, routing analysis, disputes or multi-currency reconciliation • Forensic accounting, investigative analysis or transaction investigation experience • Familiarity with Shopify, CheckoutChamp or similar platforms; dashboard tools, SQL or accounting software • Curious and investigative approach • Commercially minded approach • Proactive and practical approach • Comfortable with ambiguity and incomplete data • Collaborative and willing to challenge constructively • Accountable and detail-conscious • Ability to work in a fully remote, async-first environment

🏖️ Benefits

• Paid leave • HMO • Allowances • Work directly with the CFO and help shape commercial decisions across three growing consumer brands • Remote-first, results-focused team where performance is measured by outcomes

📊 Check your resume score for this job

Improve your chances of getting an interview by checking your resume score before you apply.

Upload Resume