About the role
UPI is the most consequential payment rail in the world by volume, and consumer UPI is where the experience is made or broken. We are hiring a PM to own the full consumer UPI surface at AndPayments from the moment a user creates a VPA to the moment a recurring mandate settles quietly in the background.
You will operate as a TPAP-side product owner, sitting at the intersection of NPCI scheme requirements, PSP bank integrations, payment aggregators, and the merchant-acceptance layer. Right now, we are in the middle of building the consumer UPI stack from the ground up — scheme certifications, dispute infrastructure, and credit-on-UPI flows are all live priorities. The PM who joins owns these, not inherits them from someone else.
This is a high-ownership IC role. There is no team to delegate upward to, no playbook that covers everything you will encounter, and no ambiguity about who is accountable. You will own the full UPI consumer experience: how a user onboards, how a mandate settles, how a dispute resolves at midnight. That is yours to build and improve.
The problem is large and structurally underserved. Most payment tooling for Indian businesses was built for the top 1%. You will build it for the 99%.
What you'll do
Consumer Journeys & Scheme Products
Own the end-to-end product roadmap for the TPAP surface: P2P, P2M, mandate management (one-time and recurring), UPI Lite, RuPay credit card on UPI, CLoU (Credit Line on UPI), and UPI One World.
Define and own consumer journeys end-to-end — onboarding, VPA creation, bank account and wallet linking, account discovery, and KYC — so that first use is quick, failure rates are low, and drop-off is understood and actioned.
Own scheme feature adoption decisions: evaluate feasibility, write the specs, and execute launch for UPI 2.0 overlays, credit-on-UPI, and delegate payments.
Own BBPS bill payments and recharges: biller category coverage, scheduled payments, failure handling, and reconciliation.
Own the U
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