About The Role
We are looking for a Product Manager who operates as an individual contributor — someone who owns output, not just process. You will talk directly to clients, TMCs, and OTAs; understand issuing bank APIs and payment networks; navigate RBI and PCI-DSS compliance; and ship a live virtual card implementation end-to-end within 60 days.

Experience
4–8 years in fintech product management

Domain

Card issuance, payment systems, travel fintech

Working Style

IC — self-directed, owns research and delivery

Location

India (RBI/PPI compliance context required

Key Responsibilities
- Own end-to-end virtual card platform: issuance, spend controls, reconciliation, and settlement
- Talk directly to clients, TMCs, and OTAs (TBO, Yatra) to understand current workflows and pain points
- Understand and document issuing bank APIs — card creation, MCC controls, velocity limits, webhooks
- Navigate Mastercard/Visa network rules, BIN sponsorship models, chargeback and settlement cycles
- Study RBI PPI guidelines, PCI-DSS requirements,



and global payment regulations relevant to travel card use cases
- Analyse how existing OTA/TMC integrations issue virtual cards and produce a detailed replacement strategy document
- Write the PRD and system architecture for Finkraft's virtual card platform covering API design, ledgering, and fraud integration
- Select 2–3 pilot clients, define implementation scope, and drive sprint execution with the tech team
- Personally run UAT with clients and own the go-live checklist

Requirements
REQUIRED EXPERIENCE & SKILLS
- 4–8 years in fintech PM, specifically in card or payment systems
- Solid understanding of card networks, BIN sponsorship, authorization flows, and settlement cycles
- Hands-on experience reading and working with issuing bank and payment gateway APIs
- Familiarity with RBI PPI master directions, PCI-DSS, KYC/AML frameworks
- Ability to produce detailed technical documents independently — PRD, system architecture, integration

📌 Product Manager — Virtual Cards (Bengaluru)
🏢 Finkraft
📍 Bengaluru