Product Manager - Cards

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 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.

Job Description: Product Manager

As Product Manager, you will work on our core technology powering our multi-currency card processing and collections flow. You will have the opportunity to work directly on card payments, scheme integrations, tokenized payment flows, clearing/settlement logic, and the core ledgers that guarantee the accuracy and reliability of our customers’ balances.

You should have some prior card-program experience and you must be technically strong, curious, and comfortable learning fast. Expect to work on complex integrations and high-stakes logic around authorization flows, ledger postings, reconciliation risks, and more. We’re looking for someone who is unintimidated by complexity and willing to roll up their sleeves and dive into the details.

You should be prepared to understand and shape systems that must be correct, auditable, and reliable, while still building quickly and iterating fast.

You will:

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

You have:

• 4–6 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 risks and trade-offs clearly, especially for flows where accuracy and compliance matter.
• An instinct to dive deep into workflows and processes across engineering, finance, operations, and compliance to ensure nothing is missed.
• A habit of writing clear technical documentation and requirements.
• Strong stakeholder management, especially with external partners/vendors (issuers, processors, fintech providers).
• Leadership presence — people naturally look to you for clarity, judgment, and direction.