Key Responsibilities

1. Product Management Lifecycle

Support/own end-to-end product lifecycle from concept to rollout and optimization

Manage product enhancements, upgrades, and new implementations

Prepare business requirement documents (BRDs), product notes, and process flows

2. Digital Payments / Platform Operations

Manage BAU operations for digital banking and payment products

Handle migrations, system upgrades, and integrations with service providers

Support branch and channel-level product usage and issue resolution

3. Stakeholder Vendor Coordination

Work closely with Technology, Operations, Risk, Compliance, and Finance teams

Coordinate with external partners, fintechs, aggregators, and vendors

Ensure timely delivery of projects and seamless implementation

4. Compliance Regulatory Governance

Ensure adherence to RBI, NPCI, UIDAI, BBPS, and other regulatory guidelines

Support audits, certifications, and compliance documentation

Monitor regulatory updates impacting digital products

5. Performance Monitoring MIS

Track product performance, transaction trends, KPIs, and revenue metrics

Prepare MIS reports, dashboards, and management presentations

Identify performance gaps and recommend improvements

6. Process Improvement Automation

Analyze existing processes to identify improvement opportunities





Drive automation and efficiency initiatives

Support system enhancements and digital transformation projects

7. Business Growth Market Insight

Monitor industry trends, competitor offerings, and emerging technologies

Support product innovation and current feature development

Drive customer adoption, usage growth, and revenue optimization

8. Team / Project Management (for senior roles)

Lead and mentor teams to achieve business objectives

Manage cross-functional projects and stakeholder alignment

Oversee implementation across channels and ecosystems

Experience: 1 10+ years (based on role level) Education: B.Tech / BE / MBA / MCA or relevant qualification

Key Skills Competencies

Strong understanding of digital banking / payments ecosystem

Knowledge of NPCI products, AEPS, BBPS, card/payment systems

Knowledge of MicroATM

Data analysis MIS reporting skills (Excel, dashboards, BI tools)

Stakeholder management and cross-functional coordination

Strong analytical, problem-solving, and communication skills

Disclaimer: This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.

📌 Product Manager/ Product Associate (Kerala)
🏢 ESAF Small Finance Bank (ESAF SFB)
📍 Kerala