About the Role :

We are looking for an experienced Product Lead with deep expertise in the UPI and digital payments ecosystem to drive product strategy, technical product development, partnerships, and large-scale payment solutions. The ideal candidate should have strong understanding of UPI across issuer, acquirer, PSP, TPAP, merchant, and enterprise ecosystems, combined with experience managing high-volume payment products and cross-functional delivery.

Responsibilities :

- Define and drive the UPI product strategy, roadmap, and lifecycle across Issuer, Acquirer, PSP, TPAP, Merchant, and enterprise ecosystems.

- Own technical product capabilities including APIs, microservices, transaction flows, payment processing, scalability, reliability, and high-volume transaction architecture.

- Translate business, customer, regulatory, and market requirements into product strategy, features, and technical requirements.

- Lead end-to-end product delivery from ideation and requirements through development, integration, testing, certification, launch, and continuous optimization.

- Drive integrations and partnerships with banks, PSPs, TPAPs, merchants, payment networks, and technology partners.

- Define and manage product SLAs, operational metrics, transaction performance, availability, and customer experience.

- Work closely with engineering, architecture, operations, risk, security, compliance, and business teams to ensure successful product delivery.

- Ensure products comply with RBI regulations, NPCI/UPI guidelines, security standards, certification requirements, and applicable payment controls.

- Drive product capabilities for fraud prevention, transaction monitoring, risk management, authentication, and payment security.

- Leverage product analytics and transaction data to identify opportunities for conversion, reliability, performance, and customer experience optimization.

- Identify and evaluate opportunities for AI/GenAI, RAG, and Agentic AI across payments, fraud, customer experience, operations, and BFSI use cases.

- Define product KPIs and use data-driven insights to measure adoption, transaction success rates, revenue, customer experience, and overall product performance.

- Lead senior stakeholders and cross-functional teams to align product priorities, delivery plans, dependencies, and business outcomes.

- Monitor UPI ecosystem trends, regulatory changes, competitive developments, and emerging payment technologies to identify new product opportunities.

- Mentor product managers and contribute to building strong product management practices and governance.

Requirements :

- 10 - 20 years of experience in product management, digital payments, banking technology, fintech, or related domains, with significant experience in UPI/digital payments.

- Strong understanding of the UPI ecosystem, including Issuer, Acquirer, PSP, TPAP, Merchant, and enterprise use cases.

- Proven experience owning and delivering large-scale payment products and high-volume transaction platforms.

- Strong technical understanding of APIs, microservices, payment processing, transaction flows, integration architecture, scalability, and distributed systems.

- Hands-on experience managing integrations with banks, PSPs, TPAPs, merchants, or payment ecosystem partners.

- Strong knowledge of NPCI/UPI processes, certification, RBI regulations, payment security, fraud prevention, and compliance requirements.

- Experience working with engineering and architecture teams to define technical product requirements and solution approaches.

- Strong understanding of product analytics, KPIs, experimentation, customer journeys, and data-driven product optimization.

- Experience managing cross-functional teams and senior stakeholders across product, technology, business, risk, compliance, and operations.

- Strong commercial and strategic thinking with the ability to identify new payment opportunities and translate them into scalable products.

- Exposure to AI/GenAI, RAG, Agentic AI, or AI-driven payment/BFSI use cases is preferred.

- Excellent communication, stakeholder management, negotiation, and leadership skills.