Product Manager

Comviva; Gurugram District; On-site; INR 2,600,000 - 3,800,000; Full time

Job summary

Comviva in India seeks a Product Leader to own the strategy and roadmap for mobiquity One, CaaS, and WaaS. You will define market positioning, target segments, and propositions in embedded payments and digital wallet domains.

You will drive API-first capabilities, payments journeys, and partnerships with banks, networks, and fintechs, ensuring scalability, security, and strong developer experience across enterprise and digital merchants.

Qualifications

• Proven PM experience in payments/fintech with delivery of wallet/card products.
• 2nd item
• 3rd item
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• 5th item

Responsibilities

• Own the product strategy, vision, roadmap, and commercial success of mobiquity One, CaaS, and WaaS.
• Drive API-first, scalable payment, wallet, and card capabilities for digital merchants and enterprise customers.
• Define end-to-end payment journeys including settlement and reconciliation.
• Own CaaS: card issuance, lifecycle, tokenization, program management.
• Lead WaaS strategy: wallet creation, stored value, transfers, merchant payments, cash-in/cash-out.
• Collaborate with customers, sales, customer success, engineering, architecture, delivery, and partners to build capabilities.
• Translate requirements into roadmaps, epics, user stories, and acceptance criteria.
• Drive product discovery, customer engagement, solution workshops, and feedback-driven enhancements.
• Ensure scalability, security, performance, API usability, and developer experience.
• Define packaging, pricing, and go-to-market plans.
• Monitor adoption, transactions, revenue, profitability, platform utilization.
• Build partnerships with banks, networks, payment processors, fintechs, acquirers, providers.
• Embed regulatory, risk, security, KYC/KYB, AML, PCI DSS, compliance in design and delivery.

Skills

PM in payments

Digital wallets & payments

Payments lifecycle

Wallet capabilities

Banks & fintechs ecosystem

APIs & integration

Requirements translation

Cross-functional collaboration

Analytical & commercial

Geographies & regulatory

Job description

• Own the product strategy, vision, roadmap, and commercial success of mobiquity® One, Cards-as-a-Service (CaaS), and Wallet-as-a-Service (WaaS) offerings.
• Define target customer segments, use cases, market positioning, and product propositions across embedded payments, digital wallets, card issuance, and related financial services.
• Drive the development of API-first, scalable, and configurable payment, wallet, and card capabilities for digital merchants and enterprise customers.
• Define and manage end-to-end payment journeys, including payment acceptance, orchestration, routing, settlement, refunds, reconciliation, and transaction management.
• Own the Cards-as-a-Service proposition, covering card issuance, lifecycle management, tokenization, transaction controls, program management, and integration with banking and card ecosystem partners.
• Lead the Wallet-as-a-Service product strategy, including wallet creation, stored value management, transfers, merchant payments, cash-in/cash-out, funding, withdrawals, fee management, and interoperability.
• Collaborate with customers, sales, customer success, engineering, architecture, delivery, and external partners to build scalable and reusable product capabilities.
• Translate customer and market requirements into product roadmaps, epics, user stories, functional requirements, and acceptance criteria.
• Drive product discovery, customer engagement, solution workshops, demonstrations, strategic sales support, and feedback-driven product enhancements.
• Ensure high standards of scalability, security, resilience, performance, API usability, and developer experience.
• Define product packaging, pricing strategies, business cases, commercial models, and go-to-market plans.
• Monitor and drive key business outcomes including customer adoption, transaction volumes, revenue growth, profitability, and platform utilization.
• Build and manage partnerships with banks, card networks, payment processors, fintechs, acquirers, and ecosystem providers.
• Embed regulatory, risk, security, fraud prevention, KYC/KYB, AML, PCI DSS, and compliance requirements into product design and delivery.
  

Key Responsibilities

• Own the product strategy, vision, roadmap, and commercial success of mobiquity® One, Cards-as-a-Service (CaaS), and Wallet-as-a-Service (WaaS) offerings.
• Define target customer segments, use cases, market positioning, and product propositions across embedded payments, digital wallets, card issuance, and related financial services.
• Drive the development of API-first, scalable, and configurable payment, wallet, and card capabilities for digital merchants and enterprise customers.
• Define and manage end-to-end payment journeys, including payment acceptance, orchestration, routing, settlement, refunds, reconciliation, and transaction management.
• Own the Cards-as-a-Service proposition, covering card issuance, lifecycle management, tokenization, transaction controls, program management, and integration with banking and card ecosystem partners.
• Lead the Wallet-as-a-Service product strategy, including wallet creation, stored value management, transfers, merchant payments, cash-in/cash-out, funding, withdrawals, fee management, and interoperability.
• Collaborate with customers, sales, customer success, engineering, architecture, delivery, and external partners to build scalable and reusable product capabilities.
• Translate customer and market requirements into product roadmaps, epics, user stories, functional requirements, and acceptance criteria.
• Drive product discovery, customer engagement, solution workshops, demonstrations, strategic sales support, and feedback-driven product enhancements.
• Ensure high standards of scalability, security, resilience, performance, API usability, and developer experience.
• Define product packaging, pricing strategies, business cases, commercial models, and go-to-market plans.
• Monitor and drive key business outcomes including customer adoption, transaction volumes, revenue growth, profitability, and platform utilization.
• Build and manage partnerships with banks, card networks, payment processors, fintechs, acquirers, and ecosystem providers.
• Embed regulatory, risk, security, fraud prevention, KYC/KYB, AML, PCI DSS, and compliance requirements into product design and delivery.
  

Mandatory Skills

• Strong product management experience in payments, fintech, digital banking, embedded finance, or financial technology products.
• Hands-on expertise in digital wallets, payments, and transaction processing ecosystems.
• Strong understanding of the end-to-end payments lifecycle, including authorization, processing, clearing, settlement, refunds, reversals, reconciliation, and exception management.
• Experience managing products related to:
• Digital wallets and mobile money
• Payment gateways and acquiring
• Card issuing and processing
• Embedded payments and embedded finance
• API-based financial services platforms
• Strong knowledge of wallet capabilities, including onboarding, stored value, transfers, merchant payments, cash-in/cash-out, account management, limits, fees, and transaction controls.
• Experience working with banks, fintechs, merchants, payment service providers, card networks, and payment ecosystem stakeholders.
• Ability to define product strategies, roadmaps, commercial models, and market positioning.
• Strong understanding of APIs, platform architecture, and integration ecosystems.
• Experience translating business requirements into scalable platform capabilities and product requirements.
• Strong analytical, commercial, stakeholder management, and problem-solving skills.
• Ability to work effectively across business, customer-facing, and technology teams.
  

Desirable Skills

• Experience managing products across multiple geographies and regulatory environments.
• Exposure to SaaS, PaaS, API-led, subscription-based, usage-based, transaction-based, or revenue-sharing business models.
• Understanding of payment economics, including interchange, scheme fees, processing costs, pricing models, and partner commercials.
• Experience in building and scaling embedded finance, card, wallet, or payments platforms.
• Familiarity with product commercialization, sales enablement, partner ecosystems, and go-to-market execution.
• Strong platform-thinking mindset with the ability to balance market-specific needs and standardized product development.