YouTrip is the leading and fastest-growing multi-currency payment platform in Asia Pacific. In 2018, we pioneered the regionβs 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 β YouTrip and YouBiz β empower individualsand 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 Partnersβunderscoring strong investor confidence in its mission to transform digital financial services across the Asia Pacific.
Recognised as World Economic Forumβs Global Innovator 2025, CNBCβs Worldβs Top Fintech Companies (2025, 2024), and LinkedInβs Top Startup ( (2024, 2023), YouTripis dedicated to creatingthe next generation of digital finance services for consumersand businesses.
Valuing an entrepreneurial culture of diversityand inclusion, we are seeking driven individuals to join our fast-growing regional team as we pushthe boundaries of innovative fintech solutions.
Job Description: Product Manager
As Product Manager, you will work on our core technology powering our multi-currency card processingand collections flow. You will have the opportunity to work directly on card payments, scheme integrations, tokenized payment flows, clearing/settlement logic,andthe core ledgesthat guarantee the accuracyand reliability of our customersβ balances.
You should have some prior card-program experienceand you must be technically strong, curious,and comfortable learning fast. Expect to work on complex integrationsand high-stakes logic around authorization flows, ledger postings, reconciliation risks,and more. Weβre looking for someone who is unintimidated by complexityand willing to roll up their sleevesand dive into the details.
You should be prepared to understandand shape systemsthat must be correct, auditable,and reliable, while still building quicklyand iterating fast.
You will:
- Work onand enhance our card processing capabilities, tokenization (Apple Pay/Google Pay) flows, scheme-driven requirements,and top ups.
- Support system enhancementsthat ensure accuracy of postings, settlement logic, reversals, refunds,and reconciliation processes.
- Co-own integrationswith issuers, processors,and payment processors, helping ensure our systems meet schemeand regulatory expectations.
- Collaborate closelywith engineering to design scalable, reliable technical functionalities across cards, top upsand ledger.
- Partner with Finance on reconciliation flowsand accounting mapping; partner with Risk/Compliance on scheme/issuer obligationsand controls.
- Develop, maintain,and prioritizea technical product backlogwith clarity around risks, dependencies,and sequencing.
- Produce clear, structured technical documentation, including workflows, data flows,and requirements.
- Define success metricsfor system performance (e.g., auth accuracy, ledger integrity, settlement timeliness).
- Collaborate across marketing, operations,and other functions to support go-to-market needswhen launching card-related or ledger-related enhancements
You have:
- 4β6 years of product management experience working on technically complex systems.
- Strong ability to understand backend systems, workflows,and architectural decisions.
- High learning agility, especially in areas such as card processing, top ups, clearing & settlement, or ledger accounting.
- Comfortable working directly with engineers on API flows, data models,and integration behaviour.
- Comfortable articulating technical risksand trade-offs clearly, especially for flowswhere accuracyand compliance matter.
- An instinct to dive deep into workflowsand processes across engineering, finance, operations,and compliance to ensure nothing is missed.
- A habit of writing clear technical documentationand requirements.
- Strong stakeholder management, especially with external partners/vendors(issuers, processors, fintech providers).
- Leadership presence β people naturally look to you for clarity, judgment,and direction.
