Job Summary

NEOPAY is hiring a Technical Product Manager for its Value-Added Services (VAS) - Payment portfolio. The primary focus for the candidate would be on embedded finance and SME lending integrations, card issuer processing capabilities, and the ability to lead additional VAS products as business priorities evolve. This role combines strategic product ownership, translating business requirements into detailed technical specifications and managing the full product lifecycle with hands-on ownership of critical payment systems integration pipelines, including daily SFTP-based file exchange with lending and processing partners.

This is an India-based role reporting into the Value-Added Services function in the UAE.

Key Responsibilities:

SME Lending:

- Manage the end-to-end product lifecycle for Value Added Services for Payments, from discovery and requirements gathering through launch and post-launch iterations.

- Prioritize the product backlog based on business impact and technical feasibility.

- Own end-to-end product requirements for embedded finance and SME lending integrations, including partner bank/lender API integrations and full loan lifecycle workflows (origination through repayment and reconciliation)

- Lead technical scoping with lending partners on data exchange, disbursement, and reconciliation logic

- Serve as primary technical product owner for the embedded finance roadmap, including prioritization, release planning, and partner escalations

- Act as primary point of contact for integration coordination between NEOPAY, lending marketplace partners, and lender systems

- Own the daily SFTP-based exchange of recovery files and outstanding loan balance files across NEOPAY, the lending technology partner, and lender platforms

- Define and oversee requirements for daily file-based data exchange (e.g., recovery files, outstanding loan balance files)



between NEOPAY and lending partner systems to ensure reliable, audit-ready processes

- Apply working knowledge of Loan Origination Systems (LOS) and Loan Management Systems (LMS) to translate business needs into technical specifications

Payments:

· Define technical requirements for card issuer processing capabilities, including authorization, settlement, and card lifecycle management including issuance, activation, PIN/CVV management, replacement, and block/unblock

- Familiarity with Merchant Management and Settlement systems as well as Payment Switching systems

- Support product launches for new card capabilities (e.g., tokenization, virtual cards, contactless) in coordination with processing partners and card schemes

- Coordinate with processing partners and internal teams on integration specifications, including SFTP-based file exchange, API integrations, and batch processing workflows

- Monitor, maintain, and troubleshoot SFTP pipelines directly, including file encryption, job scheduling, and file format validation

- Reconcile file discrepancies (missing files, format errors, amount mismatches) and drive timely resolution, escalating to relevant teams where needed

- Build and maintain scripts/automation to reduce manual intervention and proactively detect file transfer failures

- Manage User Acceptance Testing (UAT) cycles, coordinating with IT, operations, business stakeholders, and external partners

- Communicate integration status, risks, and commercial implications clearly to senior stakeholders





Required Qualifications

- Bachelor’s degree in computer science, Engineering, Business Administration, or a related field

- At least 4–8 years of experience in technical product management within fintech, lending, or payments technology

- Hands-on experience in embedded finance, SME lending, or BNPL (Buy Now Pay Later) products, such as loan origination workflows, partner bank/lender API integrations, credit decisioning, or disbursement flows

- Working knowledge of card issuer processing, including authorization, settlement, and card lifecycle and CMS management

- Working knowledge of Loan Origination Systems (LOS) and/or Loan Management Systems (LMS)

- Strong understanding of file-based and API-based integrations, including SFTP (Secure File Transfer Protocol), file encryption, REST APIs, and structured file formats (CSV, fixed-width)

- Hands-on experience managing and troubleshooting SFTP-based file integrations in a live production environment, including file encryption, job scheduling, and discrepancy resolution

- Demonstrated experience writing Business Requirement Documents (BRDs), functional specifications, and user stories for technical engineering teams

- Experience managing User Acceptance Testing (UAT) cycles and cross-functional stakeholder communication across internal and external partners

- Demonstrated ability to work across time zones with international teams

Preferred Qualifications

- Prior experience with a LFI (card issuer/ acquirer), lending marketplace, BNPL, or embedded finance platform

- Experience with digital loan recovery, digital reconciliation, or collections operations

- Experience with card scheme relationships (Visa, Mastercard, UnionPay, Amex, or similar)

- Exposure to fintech or financial services regulatory workplace

📌 Technical Product Manager (Bengaluru)
🏢 NeoPay
📍 Bengaluru