Principal Architect - Payments & Ledger

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: Principal Architect, Payments & Ledger You'll own the architectural direction for money movement end to end: multi-currency wallets and balances, the core ledger, card issuing and authorisation, in-app FX, overseas transfers and payouts, treasury and pre-funding, settlement and reconciliation, and the shared platform services underneath them. Your remit covers both YouTrip (consumer) and YouBiz (business), across every market we operate in. Responsibilities: The Ledger - Double-entry design, chart of accounts, sub-ledger boundaries, immutability and correction rules, multi-currency representation, precision and rounding policy, and how balances are derived or stored. You'll define how we handle authorisation holds, reversals, partial and incremental captures, refunds, FX revaluation and unreconciled positions, and you'll be able to explain and defend those choices to Finance, auditors and regulators. Money movement correctness - Idempotency, exactly-once outcomes on top of at-least-once messaging, clear state machines for every transaction type, and well-defined failure, retry, timeout and compensation paths. For every integration, the question "what happens if the partner succeeds and we fail?" should have a written answer that you own. Card issuing - Architecture for authorisation, clearing and settlement as a Mastercard Principal Member, including real-time authorisation on the scheme's critical path, stand-in processing, authorisation expiry, disputes and chargebacks, tokenisation for Apple Pay and Google Pay, virtual and physical card lifecycle, and the strict latency and availability targets that come with it. FX and multi-currency wallets - Rate sourcing, quoting and rate locking, spread and exposure management,…