Financial Operations Associate

YouTrip; Petaling Jaya; On-site; MYR 140,000 - 220,000; Full time

Job summary

YouTrip, a leading multi-currency payment platform in Southeast Asia, is seeking a seasoned payments operations professional. You will own chargebacks, disputes, refunds, and related processes, ensuring timely and accurate handling across markets.

In this hands-on role, you will map end-to-end workflows, develop efficient procedures, maintain dashboards, and provide insights to senior stakeholders. Collaboration with Product, CS, and Compliance is essential to delivering a seamless user

Qualifications

• 6+ years of experience in financial or fintech operations.
• Deep knowledge of chargeback processes from submission to resolution.
• Demonstrated leadership potential and initiative.
• Strong communication and collaboration across departments.
• Analytical and problem-solving with a data-driven approach.
• High integrity and ability to handle confidential data.
• Self-motivated, adaptable in a fast-paced environment.
• Able to work independently and in a team.
• Degree/Diploma in Accounting, Finance, or Economics.

Responsibilities

• Manage chargebacks, disputes, refunds, and related operations.
• Be hands-on in initial phase; map end-to-end chargeback workflow.
• Develop and optimize processes to improve efficiency across markets.
• Maintain operations dashboards and KPIs.
• Provide insights to senior stakeholders for decisions.
• Collaborate with Product, CS, Compliance, and others for seamless operations.

Skills

Chargebacks

Disputes

Refunds

Process optimization

Dashboards

Stakeholder insights

Leadership potential

Communication

Analytical thinking

Data confidentiality

Education

Accounting/Finance/Economics degree

Job description

We Are

YouTrip is the leading and fastest-growing multi-currency payment platform in Southeast Asia. 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$10 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. In 2023, we closed our US$50 million Series B fundraising led by global venture capital fund Lightspeed Venture Partners, a testament to YouTrip’s commitment to revolutionising digital financial services across Asia and beyond.

Recognised as CNBC’s World’s Top Fintech Companies 2024, Top Fintech Leader by the Monetary Authority of Singapore and the Singapore Fintech Association, and LinkedIn’s Top Startup for two consecutive years, YouTrip is dedicated to creating the next generation of digital finance services for consumers and businesses.

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.

You Will

• Be responsible for chargebacks, disputes, refunds, and other financial operations processes.
• Be hands-on in operations, especially in the initial phase — gaining a deep understanding of the end-to-end chargeback process, including submission to the network, documentation, and resolution handling.
• Develop, optimize, and update operational processes to drive efficiency and consistency across markets.
• Maintain and update operations dashboards and tracking systems to monitor team performance and key operational metrics.
• Provide insights and recommendations to senior stakeholders to support decision-making and strategic initiatives.
• Collaborate closely with cross-functional teams (Product, CS, Compliance, etc.) to ensure smooth operations and a seamless user experience.

• Have at least 6 years of working experience, preferably in the financial or fintech industry.
• Possess strong operational knowledge of chargeback processes — from case submission to the network through to resolution and closure.
• Demonstrated leadership potential, with the ability to take initiative and guide others toward shared goals.
• Strong communication and interpersonal skills, able to collaborate effectively across departments.
• Analytical and structured thinker, capable of identifying root causes and proposing practical solutions.
• High level of integrity and professionalism, able to manage confidential and sensitive data with care.
• Self-motivated, adaptable, and open to learning in a fast-paced, evolving environment.
• Able to work both independently and as part of a team.
• Degree/Diploma in Accounting, Finance, or Economics.