About the Role
As SPM, you will own end-to-end product charters within the offline merchant payments stack — driving execution across merchant acquiring, the merchant app, agent app, KYC journeys, payouts & settlements, and Soundbox/EDC device experience. You will work closely with engineering, design, business/sales, operations, risk, and compliance to ship features that improve merchant activation, transacting behavior, and retention.

Key Responsibilities
Offline merchant acquiring — onboarding, activation, and lifecycle management of merchants accepting payments via QR, soundbox, and EDC (card machine) devices
Merchant app — product roadmap for the merchant-facing app used for transaction tracking, settlement visibility, device management, and support
Agent app — product for the field/feet-on-street (FOS) sales and service agent app used for merchant onboarding, device deployment, and servicing
Payments, payouts & settlements — merchant payout cycles, settlement reconciliation, nodal account flows, and dispute/chargeback handling
KYC & compliance — merchant KYC/KYB journeys,



RBI/PA-PG and PPI compliance touchpoints, re-KYC, and risk/fraud checks in the onboarding funnel
Devices — soundbox (audio payment confirmation device) and EDC (card swipe/PoS machine) product lifecycle: procurement coordination, activation, connectivity (SIM/network), firmware, and after-sales service
Cross-functional ops & business — working with sales/BD, operations, risk, compliance, and device vendor teams to hit acquisition, activation, and retention targets
Own the product roadmap for one or more of: merchant app, agent app, KYC/onboarding funnel, payouts & settlements, or device (Soundbox/EDC) experience
Translate business and sales inputs into explicit PRDs, user stories, and prioritized sprints; work daily with engineering and design to ship on time
Track and improve funnel metrics — merchant onboarding TAT, KYC drop-offs, device activation rate, transacting merchant %, settlement TAT

📌 Senior Product Manager (Gurugram)
🏢 Mobikwik
📍 Gurugram