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The Senior Product Manager will lead the end-to-end strategy, development, launch, and lifecycle management of the company’s Forex and INR card portfolio. The role will be responsible for building customer-focused, compliant, scalable, and commercially successful card products for corporate, retail, student, and travel segments.

Experience: 8 – 12 years

Location: Mumbai (HO)

Key Responsibilities

- Own the product strategy, roadmap, development, launch, and lifecycle management of Forex and INR cards.

- Identify new product opportunities through customer research, market analysis, and competitor benchmarking.

- Define product requirements and coordinate implementation with technology, operations, compliance, finance, sales, and customer-service teams.

- Manage integrations with issuing banks, card networks, processors, payment gateways, and technology partners.

- Design and improve customer journeys covering onboarding, KYC, card issuance, loading, payments, refunds, reversals, disputes, and card closure.

- Ensure compliance with applicable RBI, FEMA, PPI, KYC/AML, card-network, information-security, and internal risk requirements.

- Develop pricing, fee structures, foreign-exchange margins, transaction limits, and commercial propositions.

- Drive card acquisition, activation, transaction volumes, revenue, profitability, usage, and customer retention.

- Monitor authorisation rates, failed transactions, reversals, settlements, fraud, chargebacks, and customer complaints.

- Lead product testing, user-acceptance testing, pilot launches, go-live readiness, and post-launch performance reviews.

- Manage product incidents and escalations, including root-cause analysis and timely corrective action.

- Prepare product dashboards, business reports, and performance presentations for senior management.

- Maintain product documents, SOPs, process notes,



customer communications, terms and conditions, and training materials.

- Train sales, operations, branches, agents, and customer-service teams on product features and processes.

- Manage vendor relationships, contracts, service-level agreements, costs, and delivery performance.

- Identify opportunities for automation, digital innovation, and AI-enabled customer experiences.

Candidate Profile

- Bachelor’s degree in business, finance, technology, or a related discipline; an MBA is preferred.

- 8–12 years of experience in cards, payments, banking, fintech, foreign exchange, or prepaid products.

- Strong understanding of Forex cards, INR prepaid cards, digital payments, and card-processing systems.

- Working knowledge of RBI, FEMA, PPI, KYC/AML, and card-network requirements.

- Experience managing technology integrations and working with issuing banks, processors, Visa/Mastercard, and payment partners.

- Demonstrated experience in launching and scaling card or payment products.

- Solid analytical, commercial, stakeholder-management, and problem-solving capabilities.

- Excellent written and verbal communication skills.

Key Performance Indicators

- Cards issued and activated

- Growth in transaction value and volume

- Active-card and repeat-usage rates

- Revenue and product profitability

- Customer acquisition and retention

- Transaction success and authorisation rates

- Reduction in failed transactions, reversals, complaints, and fraud

- On-time delivery of product releases

- Regulatory and audit compliance

- Partner and vendor SLA performance

Preferred Competencies

- Product ownership, customer focus, commercial thinking, regulatory awareness, data-driven decision-making, cross-functional leadership, innovation, attention to detail, and execution discipline.

If this suits your experience and requirement please apply with updated CV on [email protected]

📌 Senior Product Manager – Forex & INR Cards (Mumbai)
🏢 WSFx Global Pay
📍 Mumbai