Role & responsibilities

Own the strategy, roadmap, P&L;, and end-to-end execution of the Cards product and Card Management System (CMS) across RuPay, Visa, Mastercard, and other payment networks.

Key Responsibilities

1. Product Strategy & Growth

- Own product vision, roadmap, CVP, GTM, and P&L;.
- Identify customer, market, and competitive opportunities.
- Drive acquisition, activation, engagement, and portfolio growth.
- Develop recent propositions, features, offers, and product variants.

2. Cards & Payments

- Manage end-to-end card journeys across POS, e-commerce, ATM, contactless, tokenization, wallets, and UPI on Credit Card.
- Improve authorization, transaction processing, clearing, settlement, and reconciliation.
- Drive new payment capabilities and product enhancements.

3. Risk & Portfolio

- Partner with Risk/Credit teams on policy, underwriting, fraud, and portfolio management.
- Monitor fraud, chargebacks, disputes, declines, and portfolio health.
- Drive improvements in customer selection, onboarding, and portfolio performance.

4.



Customer & Product Experience

- Own the customer journey from acquisition to servicing and lifecycle management.
- Drive customer experience, rewards, privileges, campaigns, and retention.
- Use analytics and customer insights to improve conversion and engagement.

5. Automation & Analytics

- Identify opportunities to reduce manual intervention and operational risks.
- Drive automation and STP across processes, reconciliation, MIS, and reporting.
- Leverage data and dashboards for product and business decisions.

6. Partnerships & Stakeholder Management

- Manage relationships with RuPay/NPCI, Visa, Mastercard, PSPs, payment gateways, fintechs, and acquiring partners.
- Drive partnerships, certifications, issue resolution, and regulatory requirements.
- Work closely with Engineering, Operations, Risk, Compliance, Finance, Analytics, Sales, Marketing, and Customer Service.

📌 Product Manager- Cards (Mumbai)
🏢 Mobileware Technologies
📍 Mumbai