In this role, you will own the end-to-end product lifecycle for our merchant servicesfrom onboarding to settlement. You will bridge the gap between complex payment infrastructure (schemes, gateways, processors) and a seamless, intuitive experience for our merchants.

The ideal candidate has a deep technical understanding of how money moves (Acquiring) and a strong empathy for the business owners (Merchants) who rely on us to get paid.

1. Product Strategy & Roadmap :

- Execute the product roadmap for merchant acquiring solutions (POS, Payment Gateway, SoftPOS, or Unified Commerce).

- Conduct market research to identify gaps in our current acquiring capabilities compared to competitors (e.g., settlement speeds, acceptance rates, alternative payment methods).

- Translate high-level business goals into detailed Product Requirements Documents (PRDs) and user stories for engineering teams.

2. Merchant Experience (CX) & Lifecycle Management :

- Actively identify pain points in the merchant journey (e.g., payment failures, ambiguous error codes) and work to eliminate them. Streamline the merchant onboarding and servicing process (KYC/KYB) to reduce "Time to First Transaction.

3. Performance & Analytics :

- Monitor key product metrics: Authorization Rates, TPV (Total Payment Volume), Churn Rate, and Net Promoter Score (NPS).

- Analyze transaction data to identify failure patterns and work with engineering to fix root causes at the switch/gateway level.

Requirements :

Experience :

- 4 to 7 years of relevant industry experience, with at least 3 years specifically in Payments, Merchant Acquiring, or Fin-tech.

- Education : Bachelors degree in Engineering, Business, or Finance. An MBA is a plus but not mandatory.

Domain Knowledge :

- Deep understanding of the Acquiring Value Chain (Merchant ->Acquirer ->Network ->Issuer).

- Familiarity with ISO 8583 messaging, API integrations (REST/JSON), and Payment Gateway architecture.

- Knowledge of regulatory compliance

Technical Proficiency :

- Ability to read API documentation, write SQL queries for basic data analysis, and discuss architecture with engineering leads.

- Ability to analyze data, observe trends and determine scope of improvement.

- Ability to build competitive customer experience solutions.

- Ability to translate problem statements to generic and scalable product solutions.