Payhawk interview:

About the company:

Payhawk is a global spend management platform that integrates company

cards, reimbursable expenses, and accounts payable into a single
solution. Designed to enhance control and automation of company
spending.

PRODUCTS

- Corporate cards
o Cards can be designed to what the company needs (Single-
use cards, subscription cards, vendor cards (limit payments to
preferred vendors), fuel cards (track CO2 emissions), T&E
cards (Ensure compliance with auto-deactivation when the trip
ends), Benefit cards (Provide employees with allowances and
pay only for what gets used), Procurement cards (Save time
and streamline smaller purchases) and more.
o Get real-time visibility and control on all card spend
 Tailor spend rules with powerful card controls to set
transaction times and approve or block specific
merchants, categories, countries, regions, and more.
 Stay on top of every penny with real-time tracking for
informed decisions.
o Global coverage for global businesses
o Manage cash flow on your terms with credit and debit Visa
cards
o Effortlessly track carbon emissions and accelerate your ESG
reporting: Activate automated CO2 emissions tracking for
every transaction with just a click, simplifying sustainability
and ESG reporting. Better support your sustainability efforts
with valuable insights into your Scope 3 emissions.
- Accounts payable
o Zero-touch invoice processing: Capture and process invoices
with zero manual effort, take control of invoice management
with automated data capture and categorisation. No manual
entry, no manual errors:
 Quickly link new invoices to purchase orders
 Automatically extract data from invoices in more than
60 languages
 Save time on data categorisation and let Payhawk's self-
learning OCR do it for you
o Automated approval workflows: Instead of manually reviewing
and approving each expense or invoice, Payhawk allows
 companies to set up rules that automatically direct approvals
to the right people based on predefined criteria. This ensures
faster processing, better financial control, and visibility across
all spending activities.
o A centralized system where you can manage your payments
in one place. Get complete visibility in a single group
dashboard view, letting you see:
 Spend broken down by team and entity
 Expense processing status by entity
 Upcoming spend and available funds to cover it,
ensuring you don't delay payments
o Instant reconciliation: Never stitch together spreadsheets and
statements again. Cut month-end efforts in half with a fully
automated solution that integrates with your ERP or
accounting system. Live integrations mean month-end work
doesn't have to wait until month end:
 Categorise spend through custom fields and get real-
time visibility of costs for different projects, events, and
more, all synced to your ERP
 Experience direct API integrations with market-leading
ERPs Microsoft Dynamics 365 Business Central, 365
Finance, and NetSuite
- Budgets
o Track budgets in real time for unparalleled visibility and
control: Get complete oversight of all your spend against
budgets in a single place with easy-to-manage budgets from
Payhawk.
 See budget utilization in real time
 Promote budget discipline and smarter spending
decisions (Make it easy for budget owners to see how
any expense they approve will impact their budget)
 Cut the back-and-forth and free up finance team time
 Can have different types of spend and track them
- Multi-entity management
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o Streamline Accounts Payable across your entities: Quickly

check what outstanding information remains in each of your
entities.
o Support multi-entity accounting: From sharing invoices
between entities or entities trading with each other, multi-
entity accounting can be a nightmare. Opening a Payhawk
account for each of your legal entities eliminates
intercompany transactions and loans across subsidiaries. Plus,
with MEM, you get centralised control and visibility — all in
one place.
o Payhawk supports multiple payment networks for local and
international transactions:
o Faster Payments (UK) – Instant bank-to-bank transfers
within the UK.
o BISERA (Bulgaria) – Bulgaria’s national payment system.
o ACH (US) – Automated Clearing House for US transactions.
 SEPA (Europe) – European-wide payment network for EUR
transactions.
- Expense management
o Get expense reports on time, automatically and error-free
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Procurement
- Integrations: Take advantage of an expense management software
ecosystem that lets you sync all your business tools and increase
productivity in your finance team and beyond. Main integrations:
o Sage Intacct
o Oracle NetSuite
o Microsoft Dynamics 365
o Microsoft azure
o Google workspace
o SAP S/4HANA
o SAP Success Factors
Tell me a bit about yourself:

 Hi, I’m Jaime. I’m originally from Madrid but I am currently studying
a Masters in Marketing at the University of Edinburgh.
 I moved from Spain to England when I was 18 years old to study
Economics, International relations and History at Durham because I
was very interested in these three subjects and I didn’t have the
possibility of studying the three in Spain, and I also always knew I
wanted to study abroad and meet new people and learn through
my experiences.
 At University I took particular interest in sales through acting as
student ambassador for my University and being social secretary
and president of a society so I decided doing a masters in Marketing
would be ideal.

 I’ve become particularly passionate about Fintech and SaaS in this

past year when I did my Edinburgh Award in employability on this
field, and I want to deepen my understanding of the field, so I would
want to get there to grow within a company in this field.
 In the future, I see myself building a career in SaaS or Fintech sales,
starting with a quota-bearing role and progressing toward a
management position.
 I’m into social media and the gym

Walk me through your resume

 Proudest achievement: Managing to take my society to the UK

Argentinian embassy for a networking event with some of the staff
there and a talk about Argentinian – UK relations. We did this by cold
calling and emailing different embassies and we managed to get all
of the trip paid for by the university
 Something that you are proud of that is not on your resume:
Social media
Why me?

Drive for Growth in Fintech and SaaS Sales

- My decision to pursue sales began while earning the Edinburgh Award

in Global Employability, where I conducted independent research on
the technology sector and created a presentation talking about the top
companies offering cloud computing and ERP software in this industry.
- This research sparked my interest into Fintech companies like Paypal
and Payhawk and how they can work with ERP softwares and integrate
their product offering with them, such as Payhawk’s integration of its
expense management softawre into other ecosystems such as Oracle
NetSuite, Microsoft Azure and SAP S/4HANA, and how companies might
target certain companies or sectors to convey how they can benefit
from this.
- I further expanded on this knowledge by attending an industry
networking event, engaging with SaaS professionals, and participating
in a sales simulation competition, where I successfully pitched a tech
product to a panel of judges, securing first place out of ten groups.

Self-driven and a Results-Oriented Mindset

- As President of the Durham University Hispanic Society, I successfully

led initiatives that expanded our reach, securing collaborations with
key institutions such as the UK Argentinian Embassy and launching a
Careers in Languages program to connect students with job
opportunities. My role required a proactive and strategic approach,
similar to what’s needed at Payhawk to drive business opportunities
and partnerships.

Adaptadive and a Quick Learner

- My role as a Student Ambassador involved responding to complex

inquiries on the spot, such as addressing concerns about the student
housing crisis and UCU strikes. I had to quickly understand problems
and communicate solutions effectively, a skill essential for a BDR
navigating client pain points and objections.
Why Payhawk?

1. Because of how much I believe I could learn in the

company.
- I believe what differentiates Payhawk from its competitors is the best at
intersecting the areas of software and payments.
a. On one side it has amazing at software which the company
focused on during its earlier years that makes it easier for
customer experience
b. Now in the last few years the company has moved more into
the payments world

As a result, I think itd be a perfect company where I could kind of

learn more about both areas without sacrificing one or the other.

2. Because of its values

- Commitment to ownership & Customer-Centric Approach:

o Flat hierarchy aligns with my ambition to take initiative and
drive results.
o I’m drawn to the opportunity to have a direct impact on
customers.

- International Culture & Growth Opportunities:

o Fosters an environment where I see myself developing both
professionally and personally as someone who likes meeting
people from different backgrounds.
o I’m especially excited by the chance to work with an
international team across multiple offices, and the company’s
exchange policy with other offices.
Why the Job?

1. High-Impact Sales

- Flat hierarchy

- helping businesses streamline their financial operations, is incredibly

exciting.

- I will play a direct role in building the sales pipeline and driving
revenue growth—a responsibility that aligns perfectly with my
interest for sales.

2. Career Growth in a High-Performance Culture

- structured coaching and exposure to enterprise-level sales cycles will

allow me to rapidly develop my skills, setting a strong foundation for a
long-term career in fintech sales.

- Payhawk offers clear progression pathways and competitive incentives,

Why Sales?

- Helping clients solve their challenges, and achieve tangible

results: Which is really important to me because it gives me
satisfaction knowing I have helped solve a problem for someone and
seeing them implement a process or be provided with a solution I
have provided information for them to create.

- The idea of working with businesses from all industries and

providing solutions to really excites me: I have had experience
managing client relationships and adding value to clients but to do
this for the businesses of all industries is what makes this
opportunity within Sales really special, not only because I like the
experience of building a meaningful relationship with that client, but
because I see it as an opportunity to learn from them too.

- I thrive in goal-oriented environments where performance

and effort directly translate to success: Having worked in high
pressure roles in the past where I needed to meet different levels of
sales a week, I like that Sales forces you to work in a dynamic and
fast paced environment because I think those are the ones that
most reward hard work, adaptability, and continuous learning, which
are three things that I seek to develop further in my first graduate
position.
Questions for him:

- The role says I would be collaborating with an Account Executive

team in the Barcelona office and that I will be taking ownership of
my outbound prospecting campaigns. How group orientated does
the role end up being then? Is most of the time spent working in
group towards a certain project or is the work more individual?
- How do the projects get allocated?
- The job role says you have an exchange policy with other payhawk
offices, how does that work?
- What would be the salary for this role?
- What are the next steps of the process? And what are the key dates
throughout the process?
- Is there anything else you want to know about me?

Neo banks

Cross-border payments
“Our values include supporting flat hierarchies, taking ownership
and responsibility, seeking and providing feedback, managing
constructive critique, and speaking our minds. We understand
that the best ideas don’t all come from the same place, so we
encourage diversity and inclusion in all areas of our work.

The future of fintech is about more than money, and we believe in

work-life balance, continual learning, and empowered teams.
We’re also on a journey to improve our environmental and social
impact and become B Corp certified. From virtual cards to digital
subscriptions, our software and automation help take paper out
of the equation for our customers, too.”

“
“Seven great reasons to work at Payhawk
Magdalena Hristova

Company update

Quick summary

You see it everywhere. The constant job posts on LinkedIn. The neverending messages from
recruitment managers. The Sisyphean (you know, the King from Greek mythology who
pushed a boulder up the hill) effort companies make to stand out as an employer and attract
the best and brightest out there. We, at Payhawk, are no different.

We want to find the best talent and share enjoyable, productive, sometimes groundbreaking
days at work. Yet, there's so much more to our culture. Let's explore what exactly makes
working here so great.

We talked to more than half of our team to understand what they love about working here and
what motivates them. They gave us their top five reasons, so here's a quick guide of the very
best things about working here and what you could expect from a career with us.

Build a legendary product

Perhaps it's because we're all involved in building and perfecting the product. Or, maybe it's
because there's no other SaaS tool with our functionalities worldwide. Either way, one thing’s
for sure: product development inspires each of us to continue being a part of this journey.

"Scaling up a world-class expense management tool" is not just part of our brand messaging.
It's ingrained in our culture. The enormous impact our company cards and software have on
businesses keeps us determined to innovate and improve our product features continually.
Business digitalization is the future, and we're right on the top of that wave.

Take your career to new heights

View openings

Be part of an awesome international team

We're not in the same place, but we're looking in the same direction. We're pretty diverse,
with offices in four countries and a planned expansion to new continents after our Series B
round.

Our team is different in nationality, background, and interests. Sometimes, it's difficult to
understand our colleagues' heavy accents or figure out the difference between swear words
and praise. But, we're bound by the same goal: Scale-up Payhawk to be the very best for our
customers all over the world.
You can learn from everybody

It's only been three years since our inception, so our team is still relatively small. This means
that our cross-departmental collaboration is high, and we get to communicate and learn from
one another closely.

At Payhawk, everyone's your mentor, as each of us has a unique skill set and individual
approach towards tackling daily tasks and challenges. And this teamwork reaps some
incredible outcomes. As an example, we recently closed our biggest client thanks to the hard
work of six people in four different teams.

Company culture

Our daily mission to convert prospects into raving fans also has a massive impact on our
culture. We have a genuinely flat hierarchy in place, which prompts us to take ownership of
our projects and focus on outcomes.

We believe that freedom and context are what people need to be top performers. And that's
the environment we're creating to exceed our customers' expectations and offer unparalleled
value. We also take the time to appreciate each other's effort and creativity and celebrate the

accomplishments we've achieved. You can learn more about our culture straight from the
horse's mouth, our CEO and founder Hristo Borisov here.

Startup environment everywhere

The notorious fast-paced startup environment — a red flag for some, a dream come true for
others. Well, here at Payhawk, we're dreamers, and we're doers. Everything we do has a
direct and visible impact on the product and the industry.

Imagine you're a software engineer, and you're designing new code to implement some dope
new features. A week later, you open the Payhawk app — as we use it for our own expense
management — and voila, you get to actually test and use the end-product. Our code to
production process is very fast. A speed and efficiency that helps us respond to feedback and
implement new and innovative features super quickly.

As a SaaS startup, we understand the value of great technology, and our tech stack reflects
this. In a word, we trust other savvy companies to help us grow, much like they count on us
to revolutionize their expense management. That's how we effectively collaborated with one
of our clients, a video production company called Explose, to create a great customer story
from one of our top clients, Luxair.

You're hungry for new challenges

We know working at a startup always seems so cool. However, working in the fintech sector,
where regulations change constantly, new actors come and go, and where you have to adapt
the product regularly, might be challenging for some.
We love challenges, and we have overcome many already, including securing our OCR
certificate with the Spanish authorities, which wasn't easy. Moreover, many businesses out
there still believe that maintaining the status quo of their current finance stack is better than
implementing a new SaaS tool. It never is, and changing that mindset is a challenge on its
own.

Customer obsession

You may read that the customer’s king and the customer’s always right. Well, for us, that's
100% true. We're obsessed with our clients' success. We regularly ask for customer feedback
on features or 'nice to haves'. We then update the product to make the features live as soon as
possible. Our product roadmap considers both market and industry trends and customer
needs.

The customer success team and sales team share our customer issues with us, so the whole
team knows our priorities. Even on the busiest days, we answer our customer queries in less
than three minutes.

Lots of our marketing content comes from interviews with clients who are experts in their
relevant sector. And, we love to hear how they've been able to save time and money by using
our product so that they can focus on more important things than paying bills or managing
expenses.

You probably looked at this blog as you thought about applying for a job at Payhawk. But
now, you're just as obsessed with the product as us. Well, all our employees get to use the
product as just one of our many benefits, so it's a win-win. Want to learn more about your
career path with us? Check out our openings now.”