Product Manager, Card Processing & Ledger Systems

YouTrip; Singapore; On-site; SGD 110,000 - 160,000; Full time

Job summary

YouTrip in Singapore is seeking a Product Manager to own the core technology powering multi-currency card processing, tokenization, and settlement flows. You will work on complex integrations with issuers, processors, and fintech partners, ensuring accuracy, auditable systems, and reliable ledger postings.

You have strong background in backend systems, card processing, API integration, and a track record of delivering technically complex products with clear documentation and measurable impact on

Qualifications

• 4–6 years of product management experience on technically complex systems.
• Strong understanding of backend systems, workflows, and architectural decisions.
• High learning agility 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.
• Able to articulate technical risks and trade-offs clearly, especially for accuracy and compliance matters.
• Proven habit of writing clear technical documentation and requirements.
• Strong stakeholder management with external partners/vendors.
• Leadership presence — you are looked to for clarity, judgement, and direction.

Responsibilities

• Work on and enhance card processing capabilities, tokenization flows, scheme-driven requirements, and top ups.
• Support system enhancements ensuring postings accuracy, settlement logic, reversals, refunds, and reconciliation processes.
• Co‑own integrations with issuers, processors, and payment processors to meet scheme and regulatory expectations.
• Collaborate with engineering to design scalable, reliable features across cards, top ups and ledger.
• Partner with Finance on reconciliation mapping; partner with Risk/Compliance on obligations and controls.
• Develop, maintain, and prioritize a technical product backlog with clear risks and dependencies.
• Produce clear technical documentation, including workflows, data flows, and requirements.
• Define success metrics for system performance (auth accuracy, ledger integrity, settlement timeliness).
• Collaborate across marketing, operations, and other functions for go‑to‑market needs when launching card‑ or ledger‑related enhancements.

Skills

Product management

Card processing

API design & integration

Ledger & reconciliation

Stakeholder management

Technical documentation

Leadership presence

Job description

YouTrip in Singapore is seeking a Product Manager to own the core technology powering multi-currency card processing, tokenization, and settlement flows. You will work on complex integrations with issuers, processors, and fintech partners, ensuring accuracy, auditable systems, and reliable ledger postings.

You have strong background in backend systems, card processing, API integration, and a track record of delivering technically complex products with clear documentation and measurable impact on