YouTrip is the leading and fastest-growing multi-currency payment platform in Asia Pacific. In 2018, we pioneered the region's first multi-currency digital wallet. Now, YouTrip is the #1 multi-currency digital wallet trusted by millions across the region, processing over US$15 billion in total payment value annually.
Our consumer and business propositions – YouTrip and YouBiz – empower individuals and businesses with inclusive, accessible, and affordable financial solutions. YouTrip has raised over US$110 million to date, including its recent Series B round led by global venture capital firm Lightspeed Venture Partners—underscoring strong investor confidence in its mission to transform digital financial services across the Asia Pacific.
Recognised as World Economic Forum’s Global Innovator 2025, CNBC’s World’s Top Fintech Companies (2025, 2024), and LinkedIn’s Top Startup (2024, 2023), YouTrip is dedicated to creating the next generation of digital finance services for consumers and businesses.
Valuing an entrepreneurial culture of diversity and inclusion, we are seeking driven individuals to join our fast-growing regional team as we push the boundaries of innovative fintech solutions.
About the RoleSettlement & Reconciliation is the operational and regulatory core of our business — the function that moves and reconciles customer money across every product and partner, and ensures we always have the funds in place to settle. As Senior Finance Manager, you will own settlement, reconciliation, cash-flow forecasting and exception management end to end, partner with Product and Engineering as we build, and handle our regulatory and partner reporting. You will build and lead a team and play a central role in scaling our finance operations — a rare opportunity to own a function at the heart of how the business moves and safeguards money.
You WillSettlement
- Settle with card networks, FX, and remittance partners, ensuring funds reach partners accurately and on time
- Validate, and approve user refunds and cashback disbursements
Reconciliation
- Own daily reconciliation across all products and flows - topup, withdrawals, purchases, etc., - against bank statements, partner data, and internal records
- Review and approve balance adjustments and user compensation
Cash flow & liquidity
- Forecast settlement inflows and outflows to ensure sufficient prefunding and liquidity to meet settlement obligations and regulatory requirements
Continuous improvement
- Investigate reconciliation variances, partnering with Product and Engineering to identify the root causes, refine systems, and strengthen processes
Reporting & accounting support
- Prepare and submit regulatory and partner reporting
- Provide settlement journals, accruals, and reconciliation support for month-end and year-end close
Business partnering & leadership
- Partner with Product, Data and Engineering on new features and enhancements — to assess the impact on revenue and cost recognition, define data and reporting requirements for reconciliations, evaluate settlement cut-off times and their impact on safeguarded balances, identify tax implications, and support product testing and implementation
- Drive process improvement and automation, including adopting AI tools
- Build, lead and develop a team of 5+
RequirementsYou Are
- A proactive, detail-oriented finance professional with 10+ years across finance operations, settlement, treasury or financial control — ideally gained in fintech, payments or banking.
- Proven people manager, having led teams of 5 or more
- Strong grasp of payment flows, reconciliation, card networks, and multi-currency operations
- Experience with settlement, prefunding, liquidity, and regulatory and partner reporting (e.g. MAS or equivalent)
- Strong controls mindset and attention to detail, with the analytical skill to resolve complex breaks
- Possess excellent communication skills and business acumen
- Comfortable in a fast-paced, high-growth, and regulated environment
- Degree in Accounting or Finance; CA / CPA / ACCA an advantage
Skills Required
- 10+ years of experience across finance operations, settlement, treasury, or financial control
- Experience in fintech, payments, or banking
- People management experience leading teams of five or more
- Strong understanding of payment flows, reconciliation, card networks, and multi-currency operations
- Experience with settlement, prefunding, liquidity, and regulatory or partner reporting
- Experience with MAS or equivalent regulatory reporting
- Strong controls mindset and attention to detail
- Analytical ability to resolve complex reconciliation breaks
- Excellent communication skills and business acumen
- Comfort working in a fast-paced, high-growth, regulated environment
- Degree in Accounting or Finance
- CA, CPA, or ACCA qualification
What We Do
YouTrip is a multi-currency mobile wallet with a prepaid Mastercard that enables you to shop online and offline worldwide like a true globetrotter. As Singapore’s favourite multi-currency wallet, it's our thing to ensure that you pay hassle-free overseas with the best rates. Whenever, wherever, we got you • Pay with the best rates in 150+ countries • Enjoy our in-app exchange with our 10 popular wallet currencies Goodbye hidden fees • Travel and shop freely with zero FX fees & no hidden charges • Withdraw cash fee-less* from overseas ATMs (only available for Singapore app users in foreign currency for the first S$400 per calendar month, 2% fees apply thereafter) It can’t get any safer than this • Lock and secure your card instantly with just one tap • Stay on top of your transactions with push notifications for every payment Apply for an account now to get the best rates at your fingertips! Our Story Launched in 2018, YouTrip is a regional financial technology startup with a bold vision to empower everyone with a smarter and most convenient way to pay in foreign currency. As the trailblazers of fintech in Asia, we hail from Singapore, Thailand, Hong Kong, and the rest of Southeast Asia, and we are dedicated to being a trusted companion for all travellers and digital-savvy consumers. Powered by Mastercard®, YouTrip is a holder of the Remittance License issued by the Monetary Authority of Singapore. In Thailand, YouTrip is jointly issued and powered by Kasikornbank PCL.
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