Type: Full-time
· Hybrid (based in Sydney) Reports to: Group Financial Controller, with a dotted line to the Risk and Commercial teams About MintMint Payments is a payments technology company focused on transforming how money moves in the complex world of travel. With over 19 years of payments industry experience, Mint provides an integrated payments workflow platform that enables travel businesses to manage customer collections, payment protection, supplier payments and financial reconciliation. Supporting over 2,500 travel businesses across Australia and New Zealand, and expanding into the United Kingdom, Mint is entering an exciting phase of growth and innovation. Our mission is simple: Changing and improving the way money moves in the complex world of travel. The OpportunityWe are seeking a commercially minded and analytical Commercial & Financial Analyst to join our growing team in Sydney. This is an opportunity for an ambitious finance professional with approximately 2–4 years' experience who wants to move beyond traditional financial reporting and play an active role in driving commercial performance and business decision-making. Working closely with Finance, Commercial, Product and senior leadership, you will provide financial insights, develop commercial models, analyse business performance and help identify opportunities to improve revenue, profitability and operational efficiency. You will gain exposure to a growing international fintech business, working across multiple payment products, customer segments and geographic markets. What you’ll do1. Commercial Analysis & Business Performance
· Analyse revenue, transaction volumes, gross margins and profitability across customers, products and markets.
· Develop and maintain customer and product profitability models.
· Support commercial pricing reviews, customer proposals and contract evaluations.
· Identify revenue leakage, margin improvement opportunities and commercial performance trends.
· Analyse customer behaviour, payment method adoption and transaction economics.
· Provide commercial insights to support sales, account management and product teams. 2. Financial Planning & Analysis (FP&A;)
· Support annual budgeting, quarterly forecasting and rolling financial forecasts.
· Prepare monthly financial and management performance reports.
· Analyse actual performance against budget, forecasts and prior periods.
· Develop financial models to support strategic initiatives, new products and investment decisions.
· Assist with cash flow forecasting, scenario analysis and business planning.




· Support preparation of financial information for executive leadership and Board reporting. 3. Data Analytics & Business Intelligence
· Extract, analyse and interpret financial, transaction and operational data.
· Develop and maintain reporting dashboards and management KPIs.
· Improve the accuracy, consistency and accessibility of commercial and financial reporting.
· Work with Finance, Technology and Operations to improve data quality and reporting automation.
· Translate complex datasets into clear, actionable business insights. 4. Strategic & Commercial Decision Support
· Support business cases for new products, customer opportunities and strategic partnerships.
· Analyse commercial performance across Mint's Australian, New Zealand and UK operations.
· Assist with financial modelling for growth initiatives, including B2B supplier payments and new payment solutions.
· Support management with ad hoc financial and commercial analysis.
· Help identify opportunities to improve unit economics, scalability and operating efficiency. About YouExperience & Qualifications
· Approximately 2–4 years' experience in financial analysis, commercial analysis, FP&A;, management accounting or a related discipline.
· Bachelor's degree in Finance, Accounting, Economics, Commerce or a related field.
· Experience in fintech, payments, financial services, technology or another transaction-driven business would be highly regarded.
· CA or CPA qualification, or progress towards qualification, is advantageous but not essential. Technical Skills
· Advanced Microsoft Excel skills, including financial modelling, data analysis and scenario modelling.
· Experience with Power BI or similar business intelligence tools.
· Strong understanding of financial statements, revenue drivers, gross margins and commercial KPIs.
· Ability to analyse large datasets and communicate findings clearly.
· SQL experience or familiarity with financial and transaction data systems would be advantageous. Personal Attributes
· Commercially curious, analytical and detail-oriented.
· Proactive, resourceful and comfortable working independently.
· Able to connect financial analysis with practical business outcomes.




· Confident communicating with both financial and non-financial stakeholders.
· Comfortable working in a fast-moving, entrepreneurial environment.
· Strong ownership mentality, with a willingness to challenge assumptions and recommend improvements. What Success Looks LikeFirst 3 Months
· Develop a strong understanding of Mint's business model, payment products and revenue drivers.
· Become familiar with existing financial and commercial reporting.
· Support monthly reporting and core commercial analysis.
· Establish effective working relationships across Finance, Commercial and Operations. Within 6 Months
· Take ownership of recurring commercial and financial analysis.
· Develop improved reporting on customer profitability, product margins and revenue performance.
· Contribute to budgeting, forecasting and commercial modelling.
· Identify and quantify opportunities for financial or operational improvement. Within 12 Months
· Become a trusted analytical partner to Finance and Commercial leadership.
· Deliver actionable insights that improve revenue growth, pricing and profitability.
· Support business cases for strategic initiatives and recent payment products.
· Help improve the efficiency and quality of financial reporting and decision-making. Career DevelopmentThis role offers an opportunity to develop broad commercial finance capabilities within a growing international payments business. For the right candidate, there is a clear opportunity to progress towards a Senior Commercial Analyst, Senior FP&A; Analyst or Commercial Finance Manager position as the business expands. Why Join Mint?
· Work in a growing fintech business operating across Australia, New Zealand and the United Kingdom.
· Gain exposure to the commercial economics of payments and the travel industry.
· Work closely with senior leaders on meaningful business decisions.
· Develop both financial and commercial analytical expertise.
· Contribute to the growth and transformation of a business with international ambitions.
· Build a long-term career with increasing responsibility and ownership. Mint is an equal opportunity employer and values diversity. If you apply for a role please note that we need to collect certain information from you. This is set out in the following link: https://www.mintpayments.com/policies/privacy/candidates-contractors Please note: only successful candidates will be notified. No agencies please – our in-house talent acquisition team have this covered.

📌 Finance & Commercial Analyst (Sydney)
🏢 Mint Payments
📍 Sydney