Description

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Job Title: Product Manager – Unified Payments (Pay-ins, Payouts & Embedded Finance)

Location:
Experience: 10+ years (Payments, Merchant Acquiring, Money Movement, or Financial Services preferred)
Department: Product Management

Job Summary

We are seeking an experienced Product Manager to help build a unified payments platform that brings together pay-ins, payouts, merchant acquiring, and embedded financial capabilities into a single solution for platforms and marketplaces.

This role requires a strong understanding of the end-to-end money movement lifecycle, including acceptance, disbursement, settlement, routing, reconciliation, and underlying platform APIs. The ideal candidate excels at translating complex payment flows into clear product requirements, collaborating closely with engineering, and ensuring delivery of high-quality, scalable payment capabilities.

Key Responsibilities

Requirements & Documentation

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Create explicit, comprehensive Product Requirement Documents (PRDs) and functional specifications.

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Document end-to-end payment flows including pay-ins,



payouts, settlement, routing, reconciliation, and merchant lifecycle scenarios.

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Maintain precise user stories, acceptance criteria, and business rules in partnership with cross-functional teams.

Technical Collaboration & Delivery

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Serve as the primary liaison between product, engineering, and QA teams.

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Work with technical leads to convert business needs into scalable system designs and API specifications.

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Collaborate with UI/UX, API, and data teams to ensure technical alignment with product vision.

Process & Flow Design

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Develop detailed process maps, system interaction diagrams, and transaction journeys using Visio, Miro, or Lucidchart.

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Ensure accuracy of payment orchestration flows across authorization, capture, disbursements, and funding events.

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Support design of multi-rail routing and money movement architecture for platform use cases.

Product & Release Managemen

📌 Product Manager (India)
🏢 Photon Group
📍 India