Job Title: Associate Product Manager / Product Manager

Report to: Senior Product Manager

Department: Product

Location: Mumbai

Job Summary

Airpay is an RBI-licensed omnichannel payments company operating in India, the UAE and Tanzania, with businesses spanning payments, distribution, lending and wealth.

We are hiring an Associate Product Manager / Product Manager to build products across Airpay Money, our consumer investing app, and Airpay Capital, our digital lending platform.

You will own features end to end — from the customer problem and requirements through launch and adoption — working closely with engineering, design, business, compliance and partner teams.

Key Responsibilities

- Own the roadmap and delivery for investing journeys on Airpay Money across mutual funds, stocks and other asset classes.
- Build and improve lending journeys on Airpay Capital — personal and secured loans and credit cards — from application through eligibility, offers and disbursal.
- Bring investing and credit together into one seamless customer experience across app and web.
- Write transparent PRDs and user stories, and work with design and engineering through build, testing and launch.
- Manage integrations with partner banks, NBFCs and investment partners, from scoping through go-live and ongoing issue resolution.
- Define success metrics for your features, track funnels and conversion, and use data and customer feedback to decide what to build next.
- Work with compliance and legal to ensure products meet RBI, SEBI and data-privacy requirements.
- Triage production issues with support and engineering,



prioritising by customer and business impact.
- Track competitors and market trends in Indian investing and digital lending.

Skills and Experience

- Hands-on experience building D2C investing journeys — investor onboarding and KYC, mutual fund SIP and lumpsum, stock and ETF orders, portfolio and holdings views, and redemptions.
- Understanding of how retail investing works behind the app — exchanges, depositories, RTAs, order lifecycle, settlement cycles and mandate-based payments such as UPI AutoPay and e NACH.
- Experience driving investor acquisition, activation and retention — first-investment conversion, SIP continuity and cross-sell of new asset classes.
- Familiarity with SEBI norms for investment platforms, including MF distribution, stock broking, KYC (KRA/CKYC) and investor disclosures.
- Track record of shipping consumer-facing app or web features at scale, with a strong eye for user experience.
- Exposure to digital lending flows (KYC, bureau checks, eligibility, disbursal) is a plus. Comfortable with APIs and partner integrations; able to read API documentation and write clear functional specifications.
- Data-driven, with working knowledge of funnels, product analytics tools and SQL/Excel.
- Working knowledge of RBI Digital Lending Guidelines and the DPDP Act is a plus.
- Clear written and verbal communication; able to manage multiple internal and partner stakeholders.
- Bias for action and comfortable managing multiple priorities in a fast-paced environment.

Pay: ₹779,006.47 - ₹1,235,713.64 per year

Benefits

- Provident Fund

Work Location: In person

📌 Associate Product Manager (Mumbai)
🏢 Airpay Payment Services Pvt.Ltd.
📍 Mumbai