YouTrip

Multi-currency wallet and corporate card payments

Finance Manager - Settlement and Reconciliation

TreasuryConfirmed live in the last 24 hours

Full-timeSingaporeNo salary listed

About the Job

Requirements

A degree in Accounting or Finance is required; CA, CPA, or ACCA is advantageous.
At least 10 years of experience across finance operations, settlement, treasury, or financial control, ideally in fintech, payments, or banking.
Proven people-management experience leading teams of 5 or more.
Strong understanding of payment flows, reconciliation, card networks, and multi-currency operations.
Experience with settlement, prefunding, liquidity, and regulatory and partner reporting, such as MAS or equivalent.
A controls mindset, attention to detail, and analytical ability to resolve complex reconciliation breaks.
Communication skills and business acumen.
Comfort working in a fast-paced, high-growth, regulated environment.

Responsibilities

Settle with card networks, FX, and remittance partners, ensuring funds reach partners accurately and on time.
Validate and approve user refunds and cashback disbursements.
Own daily reconciliation across all products and flows, including top-ups, withdrawals, and purchases, against bank statements, partner data, and internal records.
Review and approve balance adjustments and user compensation.
Forecast settlement inflows and outflows to ensure sufficient prefunding and liquidity to meet settlement obligations and regulatory requirements.
Investigate reconciliation variances and partner with Product and Engineering to identify root causes, refine systems, and strengthen processes.
Prepare and submit regulatory and partner reporting.
Provide settlement journals, accruals, and reconciliation support for month-end and year-end close.
Partner with Product, Data, and Engineering on new features and enhancements to assess revenue and cost recognition impacts, define reconciliation data and reporting requirements, evaluate settlement cut-off times and effects 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 3 or more.

Desired Qualifications

Experience in fintech, payments, or banking is ideal.
CA, CPA, or ACCA qualification is advantageous.

Finance Manager, Settlement and Reconciliation

YouTrip · Singapore, Singapore (Hybrid) · Full-time · Posted 2026-08-28

Workplace: hybrid

Department: Finance

Description

We Are

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 Role

Settlement & 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 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 Will

Settlement

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 3+

Requirements

You 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

Apply

Apply at YouTrip

About the Company

YouTrip

Multi-currency wallet and corporate card payments

YouTrip offers a multi-currency mobile wallet and Mastercard cards (physical and virtual) for travelers and SMEs who deal in multiple currencies. Users load funds, exchange up to 10 currencies at wholesale rates with no foreign exchange fees, and pay in over 150 countries or transfer internationally to 40+ countries. YouBiz, its corporate card, provides unlimited 1% cashback on all business spending. The company differentiates itself with transparent, no-fee FX transactions, wholesale rates, broad currency coverage, and a focus on both individual travelers and small to medium-sized businesses with expense tools.

Company size: 201-500
Company stage: Series B
Total funding: $105.5M
Headquarters: Singapore, Singapore
Founded: 2016

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