Broad Responsibilities:

To work closely with engineering, sales, marketing, and operations to support the development, execution, and optimization of our product initiatives. This role bridges strategy and execution to deliver cutting-edge and market-leading solutions. The role requires a deep understanding of the payments ecosystem, a customer-centric approach, and a strong ability to translate business needs into technical requirements.

The ideal candidate combines analytical thinking, strong coordination skills, and a deep understanding of customer needs to drive product success.

Key Result Area / The success of the role:

- Assist in defining product vision, strategy, and roadmap
- Gather and document business and product requirements (PRDs, BRDs, user stories)
- Conduct market research and competitor analysis
- Work closely with Engineering, Design, Marketing, Sales, and Customer Support teams
- Support sprint planning, backlog grooming, and release planning
- Monitor product performance metrics and recommend improvements
- Analyse customer feedback and identify enhancement opportunities
- Ensure timely delivery of product features and enhancements
- Support go-to-market planning and product launches

Key Accountabilities:

Product Strategy & Roadmap

- Define and own the vision, roadmap, and execution plan for API Banking & NPCI Products.
- Align product development with regulatory changes, merchant requirements, and banking workflows.
- Gather and document business and product requirements (PRDs, BRDs, user stories)
- Collaborate with Risk and Compliance teams to ensure adherence to regulations (KYC, AML, PCI-DSS, data privacy laws)




- Support integration with payment gateways, banking APIs, credit bureaus, and third-party fintech partners
- Assist in defining transaction flows, reconciliation logic, settlement processes, and fraud controls

Product Development & Delivery

- Prepare BRDs, functional specifications, and API documentation.
- Idea Generation
- UI / UX design, Prototying

Merchant & Partner Integration

- Define merchant onboarding flows KYC, MCC mapping, geo-coordinate checks, account validation.
- Support merchants and fintech in API integration for collections, payouts, settlements.

Compliance & Risk Management

- Ensure full compliance with NPCI UPI circulars, RBI guidelines, PCI-DSS.
- Define geo-restrictions, MCC blocks, transaction limit rules.
- Collaborate with risk teams on fraud monitoring, merchant risk scoring, and blocking high-risk accounts.

Stakeholder Engagement

- Liaise with Engineering, Operations, Finance, Risk, Compliance, and Merchant Acquisition teams.
- Engage with NPCI, PSP banks, and fintech partners for certification, operational alignment, and escalations.

Preferred candidate profile

- 2-5 years Product Management experience in Digitals Payments, API Banking, or NPCI Products.

In-depth knowledge of:

- Banking transactions and workflows.
- UPI Messages and transaction flow
- Chargeback lifecycle management.
- Reconciliation and GL accounting.
- Risks of manual processes and automation opportunities.

Technical & Regulatory

- Strong understanding of UPI, API integration, merchant acquiring platforms.
- Familiarity with NPCI circulars, RBI compliance, and audit requirements.

📌 Associate Product Manager- UPI (Mumbai Suburban)
🏢 Mobileware Technologies
📍 Mumbai Suburban