Overview The Payment Gateway Product Manager to take care of design, system, compliance, and to maintain high-throughput, low-latency infrastructure to orchestrate digital transaction lifecycles (including Cards, UPI, EMV/3D-Secure, Schemes, Banking Connect/NBBL, Wallets, etc.) across TSPs, PAs, Bank merchants and core banking platforms. This role operates at the critical intersection of distributed systems engineering, risk mitigation engine design, PCI-DSS/regulatory compliance, and partner API/network integration.

Job Description
• Identify, evaluate, and implement current network programs in partnership with various Networks such as Visa, Mastercard, RuPay, etc.
• Deliver product enhancements and new payment capabilities to improve merchant experience and acquiring revenue.
• Implement network mandates and drive
- compliance, certifications, MCC validation, and product readiness.
• Coordinate audits and ensure timely closure of observations while maintaining regulatory compliance.
• Handle both internal and external stakeholders w.r.t audit, risk, regulatory needs.
• Strengthen operational controls through monitoring, SOPs and reconciliations.




• Manage and extend operational support for Merchants, TSPs, PAs and internal stakeholders.
• Handle TSP lifecycle including onboarding, performance reviews, risk assessment and merchant enablement while driving service improvements and partner performance.
• Optimize TSP and scheme costs through commercial reviews, billing reconciliation and pricing optimization.

Key Responsibilities
• New Product Development
• Payment Gateway & Checkout Management
• Transaction and Experience Optimization
• Regulatory & Security Compliance Management
• Audit and Risk Management
• Merchant and Partner Support Required Qualifications & Skills
• Post Graduate/MBA
• Strong Technical Aptitude with hands-on experience in Data Analytics with minimum 3 to 8 years of hands-on experience in digital payments, banking technology, or fintech infrastructure
• Deep understanding of Indian payment ecosystem and payment rails (UPI, IMPS, NEFT, RTGS, RuPay, Visa, Mastercard) and PA/PG guidelines
• Overall Work Exp : 7-8 years

📌 Product Manager (Mumbai)
🏢 Yes Bank
📍 Mumbai