Finance Operations Analyst

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. 

We are seeking a detail-oriented and analytical Financial Operations Analyst to support day-to-day financial processes, ensure accuracy in transactions, and enhance operational efficiency. This role sits at the intersection of finance, operations, and systems, and plays a critical role in maintaining financial integrity and supporting business growth.

Key Responsibilities

1. Financial Operations & Reconciliation

• Perform daily reconciliation of transactions, balances, and settlements across systems and bank accounts 
• Investigate and resolve discrepancies, exceptions, and failed transactions 
• Monitor payment flows, including inbound and outbound transfers 

2. Payment & Settlement Management

• Manage end-to-end payment processes (e.g., bank transfers, card settlements, wallets) 
• Track settlement timelines and ensure compliance with scheme/bank requirements 
• Liaise with payment partners, banks, and internal teams to resolve issues 

3. Reporting & Analysis

• Prepare regular financial and operational reports (daily, weekly, monthly) 
• Analyze transaction trends, volumes, and anomalies 
• Support forecasting and cash flow monitoring 

4. Process Improvement & Automation

• Identify inefficiencies and recommend improvements to workflows 
• Work with Product, Engineering, and Data teams to automate manual processes 
• Enhance controls to reduce operational risks 

5. Compliance & Controls

• Ensure adherence to internal policies, regulatory requirements, and audit standards 
• Support audit processes by providing documentation and explanations 
• Maintain accurate records and audit trails 

6. Stakeholder Management

• Collaborate with cross-functional teams (Finance, Treasury, Product, Customer Support) 
• Communicate issues clearly and escalate where necessary 
• Support business initiatives such as new product launches or market expansions
  

Requirements

• Strong analytical, communication and problem-solving skills
• A proactive, detail-oriented individual with integrity, open mindset, and accountability
• Interested in working at a fintech start-up and thriving in a dynamic working environment
• Proficiency in Excel / Google Sheets (SQL or data tools is a plus)

• Ability to handle time-sensitive tasks under pressure 

• 2-5 years of experience in financial operations, payments, fintech, or banking 
• Bachelor's degree in Finance, Accounting, Economics, or related field