Product Management - UPI Product | Experience : 3-5 yrs

Paytm; Bengaluru; On-site; INR 2,500,000 - 4,500,000; Full time

Job summary

Paytm is seeking a Product Manager to join our UPI team and drive product strategy, user growth, and experience excellence across UPI-powered flows. You will own high-impact product surfaces and collaborate with engineering, design, data, and business teams to ship products used by millions of Indians daily.

You will own end-to-end product vision, drive improvements in funnel metrics, and ensure compliance with NPCI guidelines while maintaining a fast, reliable payments experience.

Qualifications

• 3–5 years of product management experience in consumer-facing apps or fintech.
• Strong understanding of user journeys, engagement funnels and conversion metrics.
• Proven ability to translate complex problems into testable hypotheses and ship fast.
• Comfort with data tools and presenting to leadership; effective cross-functional communication.

Responsibilities

• Own end-to-end PM vision, roadmap, and execution for one or more UPI surfaces.
• Drive seamless payment flows, including initiation, auth, success/failure, and post-transaction UX.
• Improve funnel metrics via experimentation and data-driven improvements.
• Ensure NPCI/regulatory compliance without compromising user experience.

Skills

User psychology

Analytical thinking

Cross-functional collaboration

Communication skills

Ownership mindset

Tools

SQL

Mixpanel

Amplitude

Metabase

Job description

About Paytm:

Paytm is India's leading mobile payments and financial services distribution company. Pioneer of the mobile QR payments revolution in India, Paytm builds technologies that help small businesses with payments and commerce. Paytm’s mission is to serve half a billion Indians and bring them to the mainstream economy with the help of technology

Role description

We are looking for a Product Manager to join our UPI team and drive product strategy, user growth, and experience excellence across our UPI-powered flows.This role sits at the intersection of consumer behaviour, financial infrastructure, and regulatory nuance. You will own high-impact product surfaces and work closely with engineering, design, data, and business teams to ship products that millions of Indians use daily.

Key Responsibilities

Core UPI Product Ownership

• Own end-to-end product vision, roadmap, and execution for one or more UPI surfaces


• Drive seamless payment flows: initiation, authentication, success/failure states, and post-transaction experience


• Continuously improve funnel metrics — conversion, success rate, and drop-off — through A/B testing and experimentation


• Work with NPCI guidelines and stay ahead of regulatory changes to ensure compliance without compromising experience

User Experience & Growth

• Identify friction points in the UPI journey using data, user research, and support insights, then ship targeted fixes


• Design and launch features that drive engagement, frequency of use, and top-of-wallet positioning


• Own discovery and nudge strategies that help users adopt new UPI capabilities


• Collaborate with design to maintain a fast, trustworthy, and intuitive payment experience

Platform Reliability & Scale

• Define success metrics (SLAs, success rates, latency benchmarks) and hold engineering accountable to them


• Build escalation frameworks and incident response playbooks for payment failures


• Ensure platform readiness for high-traffic events such as festive seasons, IPL, and government disbursements

Insights & Experimentation

• Build and maintain dashboards that track north-star and guardrail metrics across the UPI funnel


• Drive a culture of rapid experimentation — hypothesis → test → learn → scale


• Generate and socialise insights that influence upstream decisions in engineering, design, and business

Required Qualifications

• 3–5 years of product management experience with a mandatory focus on consumer-facing products or fintech


• Deep understanding of user psychology, engagement funnels, and conversion mechanics in high-frequency consumer apps


• Proven ability to translate ambiguous problems into structured hypotheses and ship fast, iterative solutions


• Comfort with SQL and product analytics tools (Mixpanel, Amplitude, Metabase, or equivalent)Strong written and verbal communication skills — ability to write crisp PRDs, present to leadership, and align cross-functional stakeholders


• Demonstrated ownership mindset: you have shipped features end-to-end across product, engineering, and go-to-market

Good to Have

• Prior experience working in a UPI-regulated environment or with NPCI product constructs


• Experience with 0→1 product development alongside maintaining and scaling existing surfaces


• Exposure to growth, lifecycle, or CRM-driven product work

Why Join Us

• Work on one of India's most critical financial infrastructure products — UPI — at massive scale


• Join a high-performance product org with strong engineering depth and a bias for shipping


• Influence product decisions that affect hundreds of millions of transactions every day


• Operate in a fast-moving, ownership-driven culture where PMs have real authority — and real accountability

Compensation

If you are the right fit, we believe in creating wealth for you. With 500 mn+ registered users, 25 mn+ merchants, and unmatched transaction data depth, Paytm is uniquely positioned to define the next chapter of UPI in India — and we want you to help write it.