Product Manager - Payments

Rupeeflo; Bengaluru; On-site; INR 1,200,000 - 2,400,000; Full time

Job summary

Rupeeflo in Bengaluru is seeking a Product Manager to own the payments roadmap across cross-border and INR flows. You will partner with engineering, compliance, and business teams to shape the product from discovery to launch.

You'll drive integrations with payment networks and SWIFT, turning complex financial plumbing into seamless experiences for NRIs. This high-ownership role offers direct exposure to founders and the opportunity to define a new category in Indian fintech.

Qualifications

• Hands-on experience building payment systems in fintech or remittance domains.
• Experience writing specs, APIs, and driving integration roadmaps.
• Ability to define success metrics, conduct funnel analysis, and act on data.
• Strong cross-functional collaboration across engineering, business, compliance, and partners.

Responsibilities

• Own end-to-end payments product roadmap from discovery to launch.
• Define payments infrastructure across foreign currency and cross-border flows.
• Drive integrations with payment networks, SWIFT, and banking systems in GIFT City.
• Collaborate with engineering, design, compliance, and business teams to prioritize.
• Deep-dive into user research, partner conversations, and transaction data.
• Define and track metrics like activation, conversion, and transaction success.
• Manage relationships with payment and banking partners.
• Identify new product opportunities and build business cases.

Skills

Payments depth

Third-party integrations

Data-driven decisions

Stakeholder management

Writing and clarity

Education

Bachelor’s or Master’s in Engineering, Business, Finance

Job description

Rupeeflo is an NRI-focused financial services company solving a problem that sits at the intersection of two massive, underserved opportunities: a global NRI/OCI diaspora sitting on record wealth, and an Indian financial system that still makes it painfully hard for them to invest back home. We’ve built the infrastructure that banks and brokerages plug into for global investor onboarding across 50+ countries, dramatically cutting onboarding timelines from over a month to just hours. Backed by Rainmatter (Zerodha) and Piper Serica, we’re live with leading institutional partners and already reach markets covering ~60% of the world’s NRI population.

A core part of what we’re building today is payment infrastructure within GIFT City, enabling foreign currency collections into GIFT City accounts and outward transfers to both foreign and Indian accounts. This is foundational infrastructure for a new category of cross-border financial services, and it’s being built from scratch.

About the role

We’re looking for a Product Manager to own Rupeeflo’s payments product roadmap. You’ll work at the intersection of product, business, engineering, and compliance to define what gets built, sequence it smartly, and ship it with precision. A big part of this role is driving integrations with third-party networks, banking systems within GIFT City, and SWIFT infrastructure, turning complex financial plumbing into seamless product experiences for NRIs. This is a high-ownership role with direct exposure to founders and real influence over a category that’s still being defined.

What you’ll do

Own the end-to-end payments product roadmap from problem discovery through launch and iteration.

Lead the product definition and execution for GIFT City payment infrastructure, foreign currency collections, outward remittances, and cross-account transfer flows.

Drive integrations with third-party payment networks, SWIFT, and banking systems within GIFT City, translating technical integration complexity into clean product specifications.

Work closely with engineering, design, compliance, and business teams to define requirements, prioritise ruthlessly, and ship with precision.

Deep-dive into user research, partner conversations, and transaction data to understand the real friction NRIs face in cross-border banking.

Define and track the right metrics, activation, conversion, transaction success rates, drop-offs and use them to drive decisions.

Manage relationships with payment network partners, banking partners, and ecosystem players to unlock new product capabilities.

Identify and evaluate new product opportunities new payment corridors, new rails, new financial products and build the business case for them.

Must-have skills

Payments depth: Hands-on product experience building payment systems at an Indian fintech, neobanks, payment gateways, payment processors, or remittance platforms. You’ve shipped payment products and understand how the rails work end-to-end.

Third-party integrations: Experience driving product integrations with banking systems, payment networks, or financial infrastructure providers writing specs, managing API dependencies, and owning integration roadmaps.

Data-driven decision making: Comfortable defining success metrics, running funnel analysis, and making product calls backed by data.

Stakeholder management: Ability to work across engineering, business, compliance, and external partners translating between technical and non-technical contexts fluently.

Writing and clarity: Strong product documentation PRDs, user stories, and business cases that engineering and leadership can act on.

Good to have

Familiarity with SWIFT messaging, international wire flows, and how outward/inward remittance systems are built and operated.

Experience with cross-border payment products or NRI-facing financial services.

Knowledge of FEMA, RBI guidelines, and the regulatory landscape around NRI banking and remittances.

Familiarity with GIFT City’s regulatory framework and the IFSCA ecosystem.

Understanding of global payment corridors - US-India, UK-India, Middle East-India.

Exposure to wealth management, investment, or lending products in the Indian fintech context.

Qualifications

4–7 years of product management experience, with at least 2–3 years specifically in payments or fintech at an Indian startup.

Bachelor’s or Master’s in Engineering, Business, Finance, or equivalent, strong analytical foundation.

Track record of owning products from 0→1 and iterating them to scale.

Why Rupeeflo?

Work on payment infrastructure that’s being built from the ground up - GIFT City rails, SWIFT integrations, cross-border flows, not a feature bolted onto something else.

Direct access to founders, institutional partners, and investors, your decisions have real visibility.

The category is still being defined. You’ll help shape what NRI banking looks like for the next decade.

A small, high-ownership team where good thinking gets implemented, not buried in process.