Billing Analyst/Senior Billing Analyst (Cards & Payments)

About Reap

Reap is a global financial technology company headquartered in Hong Kong with employees across multiple countries. We enable financial connectivity and access for businesses worldwide by combining traditional finance with stablecoins for efficient money movement.

Through our stablecoin-powered corporate cards, payments, and expense management tools, we streamline financial operations and help businesses scale. Our APIs enable businesses to integrate stablecoin-enabled finance into their own products and services—from issuing Visa cards to facilitating cross-border payments.

Backed by leading investors including Acorn Pacific, Index Ventures and HashKey Capital, Reap is building the future of borderless, stablecoin-enabled finance.

Why Reap?

Reap operates multiple business lines — card issuing (CaaS), payments (Reap Pay), expense management (Reap Direct), and partner card programs (CPMaaS) — each generating high volumes of transactions across fiat and stablecoin rails, with revenue streams spanning interchange, FX spreads, transaction fees, subscription tiers, and contract-specific commercial terms.

As the business scales, billing has become a discipline in its own right. Getting every invoice right — complete, accurate, on time, and traceable back to source transaction data — is what keeps revenue recognition clean, clients confident, and revenue leakage at zero. Today, that responsibility is spread across the team. This role exists to give it a dedicated owner.

This is not a role where you process invoices from a queue. You will support the billing cycle end-to-end across products and entities, work directly with the underlying transaction data, and build the automation and controls that let billing scale with the business. If you want deep ownership of a function that sits right where the money is, this is the role.

What You’ll Do

• Support the end-to-end billing and invoicing cycle across Reap's products — card programs, payments, and platform fees — ensuring clients and partners are billed completely, accurately, and on schedule each period.

• Translate commercial terms into accurate billing. Work from contracts, pricing schedules, and rate cards to ensure every fee type — interchange-related fees, FX and conversion fees, transaction fees, subscription and platform charges, minimums, and tiered pricing — is applied correctly, including bespoke terms for CaaS and CPMaaS partners.

• Reconcile billing against source transaction data, tracing invoiced amounts back to underlying card and payment activity across systems. Investigate and resolve discrepancies systematically, not just clear them.

• Drive revenue assurance. Proactively identify under-billing, missed fees, and revenue leakage. Quantify findings, fix root causes, and strengthen the controls that prevent recurrence.

• Manage accounts receivable and collections, monitoring aging, following up on overdue balances, and partnering with account managers on escalations. Own the resolution of client billing queries and disputes with clear, well-supported responses.

• Support accurate revenue recognition in compliance with IFRS, partnering with the reporting team on month-end close deliverables — billing accruals, deferred revenue, and revenue schedules — for complex, multi-currency and stablecoin-settled flows.

• Automate and scale the billing process. Reduce manual steps in invoice generation, data extraction, and reconciliation by leveraging SQL and data tooling. Document SOPs and build controls that hold up as volume grows.

• Collaborate cross-functionally with Sales, Account Management, Product, and Engineering on new product launches, pricing changes, and contract amendments — making sure billing implications are understood before go-live, not discovered after.

• Support external audit by preparing billing and revenue schedules, responding to queries, and maintaining documentation that meets audit standards.

What We’re Looking For

• 2 to 6 years of experience in billing, revenue operations, accounts receivable, or revenue accounting — title will reflect experience level. Exposure to fintech, payments, or financial services is a strong advantage.

• Meticulous attention to detail with genuine comfort working in high-volume transaction data. You notice when a number is off, and you don't let it go until you know why.

• Strong Excel skills and the ability to work with large datasets. SQL proficiency — or a strong willingness to learn it quickly — is important; you'll be querying transaction data, not waiting for extracts.

• Working knowledge of revenue recognition concepts and how billing feeds the close. Formal accounting training (CPA or equivalent, completed or in progress) is a plus but not required.

• Clear, professional communication in written English — you'll be the face of billing to clients and partners, and disputes are won with well-organised evidence.

• Process-minded and improvement-oriented. You document what you do, spot the manual steps worth automating, and leave every process better than you found it.

• Comfortable working autonomously in a fast-moving environment with ambiguity and new challenges.

Nice to Have

• Experience billing for card programs, payments, or usage-based/consumption pricing models (interchange, FX, transaction fees, subscription tiers).

• Familiarity with data warehouses (Snowflake or similar) and BI tools (Metabase or similar).

• Experience with ERP systems (Sage Intacct or similar) and billing/invoicing tooling.

• Experience in multi-entity, multi-currency environments.

• Interest in or exposure to stablecoins, crypto, or digital assets.

Your Adventure Benefits

• Deep ownership of a business line's financials.

• A high-impact role in a rapidly growing fintech company.

• Use of AI tools at work, and the space to learn, experiment, and grow with them.

• A culture of innovation, inclusion, and continuous learning.

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