Yellow Card App

Pricing Analyst

• Manage daily liquidity positioning across fiat and digital asset infrastructure.
• Set, monitor, and optimize FX rates and stablecoin pricing.
• Forecast daily cash flows and liquidity needs by corridor, currency, and product.
• Collaborate with the broader Treasury team for fund maneuvering.
• Monitor counterparty exposure, settlement risk, and concentration risk.
• Build and maintain complex financial models to track treasury performance.

Liquidity and Pricing Specialist

Financial Planning and Analysis

• Serve as a senior member of the FP&A team, supporting wider finance function when required
• Serve as a finance partner to department owners supporting them budget, understand their cost drivers and provide recommendations for improvements
• Develop, implement and maintain an effective planning and analysis capability that will provide stakeholders with appropriate analytical tools to establish goals and measure performance of the Group’s products and services
• Build reports and dashboards with insights into company performance, user metrics, and KPIs to be shared with Senior Management and external stakeholders as required
• Ensure board packs, reports and dashboards are produced timeously to stakeholders
• Track performance against key targets and outcomes, and produce regular corporate-level management information for all senior management
• Highlight trends, key actions, and strategic implications
• Conduct monthly variance analysis to identify trends, drivers and opportunities
• Forecasting, cash flow analysis & capital adequacy projections
• Budgeting and forecasting, including building an annual budget process and a regular forecasting process in order to support the delivery of monthly/quarterly financial forecasts to be used by the business, senior management and the Board.
• Take an active role in identifying opportunities to improve processes and drive transformation
• Ensuring Investor information requests are responded to timeously, including leading on due diligence requests when required
• Supporting junior team
• Producing financial metrics and reports for the quarterly board decks
• Assessing new Business Cases for financial viability (ROI, breakeven, cash flow) before recommending for approval or rejection, and incorporating approved business cases into budgets and reforecasts
• Work with the Business Owners to optimise business plans to maximise financial success whilst ensuring guard rails and controls are in place.
• Work with the Data Team to understand and ensure accuracy of data pipelines
• Collaborate with country managers and legal teams to support new entity forecasts when required
• Build strong relationships with internal stakeholders to help ensure the Finance Department is well-informed and has a strong voice in the organisation
• Producing accurate work and deliverables to a high technical standard
• Continuous maintenance and improvement of templates and standard operating procedures
• Any other tasks and projects assigned by the Director of FP&A

Senior FP&A Manager

Sales Operations Manager

• Maintain and update sales records, customer databases, and CRM systems.
• Generate sales reports, performance metrics, and other relevant documentation for analysis and decision-making.
• Identify opportunities for process improvement and efficiency gains, implementing changes to enhance operational effectiveness.
• Provide accurate pipeline and forecast updates to the Head of Sales or Senior Management team to support business planning.
• Create low-code interventions, internal toolkits, standards, and guidelines that assist sales teams, allowing teams to scale operations and increase profitability.
• Provide administrative assistance to the sales team.
• Coordinate with other departments to facilitate sales operations and drive delivery of projects to deadlines, with a focus on ensuring go-live with Diamond and P1 accounts.
• Handle ad-hoc administrative tasks as required.

Analyst

• Initiate and process high-volume payment transactions across multiple payment channels
• Review and validate payment requests for accuracy, completeness, and proper authorization
• Ensure all payments are executed within agreed timelines and in compliance with company policies
• Coordinate with internal stakeholders regarding payment queries
• Verify payment data accuracy, including vendor details, invoice information, amounts, and banking details
• Conduct pre-payment reviews to ensure all supporting documentation is complete and compliant
• Identify and resolve discrepancies in payment requests before processing
• Maintain accurate records of all payment transactions in the payment system
• Reconcile bank statements with internal payment records to ensure accuracy

Treasury Analyst

Operations

• Oversee daily payment operations, including deposits, withdrawals, refunds, reconciliations, and exception handling.
• Operationalise and manage company accounts, ensuring accuracy, liquidity alignment, and timely settlements.
• Lead, coach, and develop a team of payment analysts to maintain high performance and accountability.
• Ensure compliance with regulatory requirements and internal controls across all payment activities.
• Act as the primary escalation point for complex payment-related cases, ensuring quick and effective resolution.
• Be a key driver of the new treasury portal project to ensure all objectives and timelines of rollout are met.
• Ensuring a rotational schedule is set up within the team so that only certain payops members need to be available after a certain time of the day, for instance ,once or twice a week rather than daily.
• Be a key connection between the payops team and the reconciliations team to ensure the recons team understands all payments made by the payops team and that there are not too many after the fact queries by the recons team.
• Ensuring all bank accounts are properly added but also maintained in the treasury portal.
• Ensuring that for all operational processes, there are SOP’s that are properly signed off.
• Ensuring that sufficient redundancy and access to critical bank accounts are setup across regions.
• Ensuring sufficient liquidity is maintained across bank accounts for operational and trading purposes.
• Ensuring that country exposure is effectively managed to reduce FX exposure in EM’s.
• Proper management of ticketing system that is in place for all otc payment channels and providing monthly stats on these as a key KPI for the payops team.

Payops Manager

Payroll

• Prepare, review, and submit monthly payrolls across multiple countries, ensuring accuracy, completeness, and compliance with local regulations.
• Process payroll payments, including net salaries, taxes, pensions, bonuses, and statutory deductions, using the payroll platforms, Excel, and Google Sheets.
• Assist in managing special payroll runs such as annual bonuses, salary increases, retroactive pay, and off-cycle payrolls.
• Support the preparation of annual payroll returns and statutory filings.
• Reconcile payroll data to management accounts and audited financial statements.
• Maintain payroll documentation and ensure processes are audit-ready.
• Support payroll automation and standardisation across multiple countries.
• Coordinate with HR and Finance on new hires, terminations, transfers, compensation changes, leave schemes, garnishments, and benefits.
• Respond to employee payroll queries and escalate complex issues as needed.
• Assist in preparing and submitting VAT and withholding tax filings across Africa, Dubai, the UK, and the US.
• Support payroll-related tax reconciliations and ensure compliance with local regulations.
• Identify potential tax issues and implement corrective measures proactively.
• Liaise with external tax advisors as required.
• Identify payroll and tax process inefficiencies and suggest improvements.
• Analyze payroll and tax data to detect trends, discrepancies, or potential compliance risks.
• Take ownership of assigned tasks, follow through independently, and escalate issues when necessary.
• Support automation, standardisation, and scalability initiatives to optimize processes.

Liquidity and Pricing Specialist

Senior FP&A Manager

Sales Operations Manager

Treasury Analyst

Payops Manager

Senior Payroll & Tax Associate