At Aspire, we’re more than just a FinTech company—we’re the leading all-in-one financial operating system built to empower the world’s innovators and entrepreneurs. We are on a mission to reinvent business finance, empowering startups and businesses to realise their full potential.

Founded in 2018, Aspire has raised over USD 300M+ across equity and debt from world-class investors. In 2023, we successfully closed an oversubscribed USD 100 million Series C equity round led by Sequoia Capital and Lightspeed Ventures with participation of Tencent, Paypal Ventures, LGT Capital Partners, Picus Capital and MassMutual Ventures. To power our solutions, we have partnered with some of the best companies in the world such as Visa and Wise and empowered more than 50,000 businesses using our suite of products.

Aspire has consistently been recognized for excellence, earning Best Employer and Startup of the Year by the Asia FinTech Awards in 2022 and 2023, ranked as LinkedIn’s Top Startup in Singapore, and listed on CB Insights’ Top 100 Global Fintech in 2023 and 2024.

You will be amazed by the energy and experience of our team! Aspire serves as an environment for you to innovate and drive change with our team of ex-entrepreneurs, ex-founders, and high-achievers with international and diverse backgrounds.

Are you a top talent who is passionate about entrepreneurship? Join our rapidly growing team to make an impact in the fintech space!

ABOUT THE TEAM

At Aspire, we are committed to empowering our customers throughout their journey with us. Our Operations Team ensures customers can operate seamlessly on our platform, and guarantee the best customer experience possible.

ABOUT THE ROLE

As the Payment Operations Manager for the US, your primary responsibility will be to ensure the success and accuracy of all payment flows within Aspire’s platform in the United States. You will play a pivotal role in managing the operations and owning the KPIs of Aspire’s payment products in the region to drive exceptional performance and ensure compliance with regulatory frameworks in new markets.

In addition to managing day-to-day operations, you will have a critical role in supporting Aspire’s expansion into new countries. You will be instrumental in setting up and scaling treasury operations in this new market, ensuring that our infrastructure is robust and optimized for local requirements.

Key responsibilities include:

Payment Operations Ownership (Regional Focus): Own end-to-end domestic payment operations for the US, including partner integration, SLA delivery, and cut-off adherence. Serve as the go-to SME for local payment rails (e.g., ACH, FedNow), ensuring accurate and timely payment execution.
Service Availability and Payment Success: Monitor and improve payment success rates and incident resolution times. Lead real-time triage of processing issues across regional time zones
Partner & Rail Specialist Integration: Collaborate directly with Aspire’s banking and PSP partners to manage change requests, incident escalations, and rulebook updates. Translate market-specific rules into operational processes and automation requirements.
Corridor Expansion and Launches: Drive successful go-live of new domestic corridors or capabilities (FedNow) by coordinating with Product, Compliance, and Engineering. Act as the local process lead to ensure Aspire can transact on Day 1 without manual blockers.
Reconciliation Ownership (in partnership): Oversee the setup of reconciliation processes for new regional rails in collaboration with the shared services Recon team. Monitor and escalate exceptions, and drive resolution in line with internal SLAs and safeguarding requirements.
Operational Oversight & Quality: Champion regional ownership of payment SLAs, root cause analysis, and continuous improvement. Work with the QC & Training function to embed quality controls and upskill regional analysts.
Regulatory Readiness: Partner with Compliance and Legal to ensure all operational processes meet local regulatory standards. Support the preparation and response to audits and regulatory inquiries specific to your market.
Stakeholder Reporting: Deliver actionable reporting on payment performance, corridor-specific trends, and issue tracking to senior stakeholders. Inform Product and Compliance roadmaps with operational insights.
Team Leadership: Operate within a team of regional and offshore payment analysts, ensuring effective 24/7 coverage, incident handovers, and operational rigor across all shifts.

Qualifications:

Regional Payments Expertise: 8+ years’ direct experience with domestic payments in the US (ACH, FedNow, etc.) ideally with PSPs, banks, or high-growth fintechs.
Corridor Operationalisation: Proven track record in launching and scaling domestic payment rails including cut-off management, settlement cycles, and exception handling.
Real-Time Problem Solving: Experience leading operational incident response and payment failure triage with partner coordination.
Strong Ops Design Thinking: Ability to define and optimise operational processes and controls tailored to regional nuances and partner integrations.
Stakeholder Management: Comfort engaging with regional regulators, audit teams, and executive leadership on payment performance topics.
Analytical Fluency: Proficiency in using data tools and dashboards to track success/FAIL rates, monitor trends, and define root causes.
People Leadership: Experience working in matrix style teams across multiple time zones

What we offer

Uncapped flexible annual leave.
Hybrid work arrangement.
Training subsidy for your professional growth.
Wellness benefit.
Team bonding budget to foster collaboration and sense of belonging.
Flexibility to work from anywhere (for up to 90 days per annum).
Culture is Key: We always strive to cultivate a special culture that brings special talents together - You can learn more about our culture on our careers site and LinkedIn Life page.

Equal Opportunity Statement

Aspire is an equal opportunity employer and is committed to providing equal employment opportunities to all qualified individuals without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, or any other protected characteristic as outlined by applicable laws.

Please note: by submitting your application, you acknowledge that you have read and understood Aspire’s Data Protection Policy for Employees, Freelancers, Contractors and Job Applicants (the “Policy”), and consent to the collection, use and disclosure of your personal data by Aspire for the purposes set out in the Policy. You may withdraw consent for such collection, use and disclosure, and make an access or correction request in respect of your personal data, in accordance with the Policy by emailing people@aspireapp.com.

About Aspire

Key Highlights

🎁 Benefits

🌟 Culture

Payment Operations Senior Manager

Job Description

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