Finance Manager, Spend Management

you.co; Singapore; On-site; SGD 180,000 - 240,000; Full time

Job summary

YouTrip, a leading multi‑currency fintech in Asia Pacific, is seeking a Senior Finance Manager to own spend management, AP, payroll and cost optimization. You will build and guide a 3+ person team, implement controls, and collaborate with FP&A and other departments to drive efficient financial operations.

The role demands 8+ years in finance, multi‑currency experience, and strong leadership in a fast‑growing environment. Based in Singapore, you will contribute to scalable financial governance.

Qualifications

• 8+ years of experience in accounts payable, expense management or payroll, ideally in fintech/payments/e‑commerce.
• Proven people manager with remote team leadership experience.
• Strong taxation knowledge across markets and multi‑currency operations.

Responsibilities

• Lead AP, expenses and vendors end‑to‑end, ensure accuracy and approvals.
• Oversee payroll across markets with cost allocations and journals.
• Drive cost optimisation, allocations and working capital management.
• Partner with FP&A, HR and settlement teams on planning and controls.
• Drive process improvements and automation, including AI tooling.

Skills

Detail-oriented

People management

Analytical thinking

Stakeholder management

Communication skills

Education

Degree in Accounting or Finance

Professional qualification (CA/CPA/ACCA) advantageous

Tools

Accounting system

Bank platforms

Job 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

As Senior Finance Manager - Spend Management, you will own accounts payable and expense management, support payroll and procurement, and lead the cost-optimisation and cost-allocation work that gives the business a clear view of where it spends and why. You will build and lead a team, put the controls in place to keep spending accountable, and partner closely with FP&A and teams across the company.

You Will

Accounts payable, expenses & vendors

• Process vendor invoices end to end - check against supporting documents and contracts, validate usage against internal sources, apply the correct tax treatment across markets, obtain the required approvals, review and approve payments on various bank platforms, and post to the accounting system
• Process employee expense claims - check against supporting documents, budget and policy, obtain approvals, review and approve reimbursement on various bank platforms, and post to the accounting system
• Verify user refund requests, check against bank statements and our system, review payment details, and approve the transfer on the bank platform.
• Validate partner and product settlement figures (e.g. eSIM) against internal data and invoices before payment
• Carry out procurement-style review of vendor quotes and pricing to ensure value and policy compliance
• Support the funding processes that ensure sufficient funds are in place to meet settlement and payment obligations on time

Payroll

• Oversee and process payroll across all markets - approvals, accurate and on-time payment, and journals with cost allocations across markets and products

Cost, controls & planning

• Lead cost optimisation and accrue card-scheme incentives
• Partner with FP&A on cost allocation across markets, products and segments
• Partner with Human Resources on headcount planning and workforce cost tracking
• Manage working capital across the payables and payroll cycle
• Establish and enforce expense controls and approval policies, and maintain accurate, well-controlled books

Process & leadership

• Drive process improvement and automation, including adopting AI tools
• Build, lead and develop a team of 3+, partnering with FP&A, People/HR and the Settlement & Reconciliation team

Other responsibilities

• Support the wider Finance team by stepping in to perform other finance functions when required, particularly during staff leave, peak periods, or resource constraints.

You Are

• A detail-oriented finance professional with 8+ years across accounts payable, expense management or payroll — ideally gained in fintech, payments or e-commerce.
• Proven people manager, having led and developed teams of 3 or more remotely
• Sound working knowledge of taxation, with the ability to apply the right treatment across markets
• Experience with multi-currency / multi-entity finance operations
• Strong analytical, problem-solving and stakeholder-management skills, with high attention to detail
• Possess excellent communication skills, an open mindset, and business acumen
• Comfortable operating in a fast-paced, high-growth and regulated environment
• Degree in Accounting, Finance or a related field; a professional qualification (CA / CPA / ACCA) is an advantage