Product Manager- Cards & Payments

Mobileware Technologies; Mumbai; On-site; INR 2,500,000 - 5,000,000; Full time

Job summary

Mobileware Technologies in Mumbai seeks a senior product leader to define, launch and scale payment products across card payments, networks, 3DS, APIs and digital experiences. You will collaborate with Business, Technology, UI/UX, Operations, Risk and Compliance.

Responsibilities include BRDs/PRDs, wireframes, API design, and end-to-end customer journeys from onboarding to settlement. Define API strategy, authentication, tokenisation and 3DS flows with engineering and partners.

Qualifications

• Experience in Payments, Cards, Banking or Fintech.
• Strong knowledge of Visa, Mastercard and RuPay ecosystems.
• Experience with payment switches and card processing.

Responsibilities

• Work closely with Business teams to understand market requirements, revenue opportunities and regulatory considerations.
• Translate business objectives into product strategy, roadmaps and BRDs/PRDs.
• Own BRDs, PRDs, functional specifications, user stories and acceptance criteria.
• Define API strategy, endpoints, authentication and versioning.
• Design end-to-end customer journeys for payment products, including 3DS and tokenisation.

Skills

Payments knowledge

API design

BRD/PRD creation

Stakeholder collaboration

Visa/Mastercard/RuPay knowledge

Job description

The role is responsible for defining, designing, launching and scaling payment products across card payments, payment networks, issuer/acquirer processing, 3DS ACS, APIs and digital experiences. The role operates across Business, Product, Technology, UI/UX, Operations, Risk, Compliance, Banks, Networks and Partners.

Role & responsibilities

Business Partnership & Product Roadmap

• Work closely with Business teams to understand market requirements, customer needs, revenue opportunities and competitive positioning.
• Translate business objectives into product strategy, product vision and actionable product roadmaps.
• Create and maintain quarterly and annual product roadmaps in collaboration with Business and Technology.
• Prioritise features based on business value, customer impact, regulatory requirements, network mandates, revenue potential and technical dependencies.
• Conduct product workshops with Business, Technology, Operations, Risk and Compliance stakeholders.
• Present product strategy and roadmap to senior management.

Product Discovery, BRDs & Requirements

• Own the complete requirement-definition lifecycle.
• Prepare BRDs, PRDs, functional specifications, user stories and acceptance criteria.
• Define process flows, transaction flows, use cases, business rules, exception scenarios, error handling and operational requirements.
• Convert ambiguous business requirements into clear, implementable product specifications.

UI/UX Product Design

• Design end-to-end customer and user journeys for payment products.
• Create wireframes and low/high-fidelity prototypes and work closely with UI/UX designers.
• Define screen-level requirements, interactions, validation, error, timeout, retry and exception experiences.
• Design experiences covering card onboarding, authentication, 3DS challenge, OTP/PIN, transaction confirmation, payment failure, refunds, disputes, card controls and support journeys.
• Experience with Figma or equivalent design/prototyping tools is preferred.

API Product Design

• Define API strategy, API product roadmap and API workflows.
• Define endpoints, request/response structures, authentication, authorization, validation, idempotency, timeout, retry, versioning and webhook/callback behaviour.
• Define APIs for card lifecycle, authorization, transaction status, payments, refunds, disputes, 3DS, tokenisation, merchant onboarding, settlement, reconciliation and reporting.
• Work with engineering and integration teams to ensure APIs are secure, scalable and developer-friendly.

3DS ACS Product Expertise

• Define product requirements for an EMV 3-D Secure ACS platform.
• Understand the complete 3DS ecosystem: Cardholder Merchant/3DS Requestor 3DS Server Directory Server ACS Issuer.
• Define frictionless and challenge flows, authentication journeys, OTP/PIN/password mechanisms and risk-based authentication.
• Define ACS UI/UX, issuer configuration, BIN/card-range configuration, merchant/3DS Requestor configuration and challenge rules.
• Work with fraud/risk engines, engineering teams and certification teams on 3DS APIs, integrations and network compliance.
• Strong understanding of EMV 3DS 2.x, Visa Secure and Mastercard Identity Check is highly desirable.

Payments & Network Expertise

• Strong understanding of Visa, Mastercard and/or RuPay ecosystems.
• Expertise across debit, credit, prepaid, commercial, virtual and tokenised cards.
• Understanding of POS EMV, contactless/NFC, e-commerce, ATM, cash at POS, reversals, refunds, OCT, recurring payments, standing instructions, mandates, COF/COFT, tokenised transactions, pre-authorisation, completion, incremental authorisation, partial approvals and offline transactions.
• Understand the complete transaction lifecycle: Cardholder Merchant Acquirer Network Issuer Authorization Response Clearing Settlement.

Payment Switch & Processing

• Define product requirements for payment-processing platforms covering ISO 8583, ISO 20022, transaction routing, authorization, switching, network connectivity, issuer/acquirer connectivity, HSM, PIN processing, tokenisation, 3DS/ACS, fraud/risk engines, rules engines, API Gateway, monitoring, clearing, settlement and reconciliation.

Product Delivery & Stakeholder Management

• Own the lifecycle from Business Requirement Product Strategy Roadmap BRD UX API Definition Architecture Development Testing Certification UAT Go-Live Production.
• Work closely with Business, Engineering, Architecture, UI/UX, QA, DevOps, Security, Risk, Compliance, Operations, Customer Support, Banks, Payment Networks and Technology Partners.
• Challenge technical decisions where they affect payment functionality, customer experience, scalability, security or regulatory compliance.

Security, Compliance & Innovation

• Strong understanding of PCI DSS, PCI PIN, EMVCo, 3DS, HSM, encryption, tokenisation, key management, fraud prevention and risk-based authentication.
• Knowledge of RBI regulations, card-network rules, data protection, ISO 27001 and ISO 22301.
• Identify opportunities in real-time payments, network tokenisation, AI-driven fraud prevention, payment orchestration, embedded payments, cross-border payments, digital wallets, SoftPOS, Tap-to-Phone, account-to-account payments and intelligent transaction decisioning.

Preferred candidate profile

• 1215+ years of experience in Payments, Cards, Banking or Fintech.
• Strong understanding of Visa, Mastercard and/or RuPay.
• Strong issuer and/or acquirer processing experience.
• Experience with payment switches and card transaction processing.
• Strong ISO 8583 and EMV/EMVCo knowledge.
• Hands-on product experience with 3DS / ACS, preferably EMV 3DS 2.x.
• Experience defining APIs for payment products.
• Strong experience creating BRDs, PRDs and functional specifications.
• Proven experience working directly with Business teams to define product strategy and roadmap.
• Experience designing or significantly contributing to UI/UX and customer journeys.
• Understanding of tokenisation, COF/COFT, PCI and payment security.
• Experience working with banks, networks, processors and fintechs.
• Preferred: Visa Secure, Mastercard Identity Check, RuPay/NPCI, UPI, payment orchestration, fraud/risk, card management systems, HSM and cloud-native payment platforms.