Product Manager – Payments/Acquiring

About the RoleWe're looking for a Product Manager who deeply understands how acquirer
systems work end to end — not just at the application/UI level, but across the backend
processing stack. You'll own the product lifecycle for our acquiring platform, working
closely with engineering, compliance, risk, and merchant/partner teams to build and evolve
systems that handle real money movement at scale.

Key Responsibilities
• Own the product roadmap across the full acquiring stack — merchant onboarding,
authorization, transaction processing, clearing, settlement, reconciliation, and
chargebacks/disputes.
• Get into the technical weeds: understand message flows (ISO 8583/20022),
switch/routing logic, ledger and settlement engines, and how transactions move
between merchant, acquirer, network, and issuer.
• Own and drive requirements around clearing file generation — including Base II
(Visa) clearing files and Mastercard, Amex clearing files — with a solid grasp of file
structures, record types, and data elements within these scheme files.




• Translate scheme (Visa/Mastercard/RuPay etc.), network, and regulatory
requirements into detailed backend and system-level product specs.
• Partner closely with engineering on system architecture decisions — not just feature
requests — for authorization, capture, clearing, settlement, and refund flows.
• Work with risk and compliance teams on underwriting, fraud, and dispute
management workflows, understanding the backend systems that power them.
• Define and track product/system metrics — approval rates, settlement TAT,
reconciliation breaks, dispute ratios, system latency and uptime.
• Manage relationships with card networks, banking partners, and processors, including
technical/integration discussions on clearing and settlement file exchange.

Requirements
• 4–8 years of Product Management experience with genuine end-to-end exposure to
acquirer systems — able to speak fluently about both the mer

📌 Product Manager – Payments/Acquiring (India)
🏢 Art Technology and Software India
📍 India