Product Manager - Payments & Scheduling

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

Job summary

Zoca is seeking a founding Product Manager for Payments & Scheduling to define and build our payments experiences for an AI-driven platform. You will own the roadmap, research customer needs, and architect payment flows across AI agents, while delivering scalable backend systems for payouts and compliance.

We value deep payments knowledge, a builder mindset, and the ability to ship in a fast-paced, ambiguous environment that blends product and fintech strategy with data-driven decision making.

Qualifications

• 2–4 years in product management with payments/fintech focus.
• Deep knowledge of payment APIs, flows, and compliance.
• Experience with AI-enabled or agent-based platforms is a plus.
• Comfort with ambiguity and fast-paced startups.
• Strong analytical skills with data-driven decisions.

Responsibilities

• Own the product roadmap and execution for payments + scheduling integration from scratch.
• Research and discover the right payment solutions through user interviews and market analysis.
• Design payment collection flows triggered by AI agents via voice/SMS/email.
• Build the policy engine: deposits, no-show rules, refunds, surcharges, exceptions.
• Create dashboards for payment tracking, payout management, and policies.
• Drive metrics like conversion and payout success rates.
• Navigate the US payment ecosystem: providers, compliance, integration strategy.
• Establish analytics frameworks to measure success and guide decisions.
• Run experiments to optimize product performance and pricing.
• Collaborate with Engineering on scalable infrastructure.

Skills

Product management

Payments/fintech

Payment systems

SQL analytics

Ownership mindset

APIs

US payments

Agile methods

Tools

APIs

SQL

Job description

About The Role

Join Zoca as the founding Product Manager for our Payments & Scheduling pod, where you'll define & build what payments should look like for an AI-agentic company. This is a 0-1 opportunity where you'll work with our AI agents that book appointments and collect payments via SMS/email/voice, while also building the backend systems for contractor payouts and financial operations. You'll research our customers' needs, explore different approaches (embedded payments, agent workflows, scheduling-linked transactions, or something entirely new), and make the critical decisions that will shape our product. You'll be the architect of our payments strategy, working closely with customers and internal teams to discover the right solution and then scale it. This role offers massive impact - your decisions will define how Zoca handles financial transactions and shape our business model as we grow.

What You'll Do

• Own the product roadmap and execution for payments + scheduling integration from scratch
• Research and discover the right payment solutions for Zoca's customers through user interviews, market analysis, and experimentation
• Design payment collection flows triggered by AI agents via voice/SMS/email—optimize for conversion and trust in agentic contexts
• Build the policy engine: define deposit policies, no-show rules, refund logic, surcharge handling, and exception workflows
• Create merchant and admin dashboards for payment tracking, payout management, policy configuration, and exception handling
• Drive key metrics such as conversion, payment success rates, payout success rate etc
• Navigate the US payment ecosystem—evaluate providers, understand compliance requirements, and define integration strategy
• Establish metrics and analytics frameworks to measure success and drive data-informed decisions
• Run experiments and tests to optimize product performance, pricing models, and user experience
• Think big about what payments could mean for an AI-native platform and explore innovative approaches
• Partner closely with Engineering to build robust, scalable infrastructure and make key technical decisions
• Collaborate with Risk & Compliance on fraud prevention, velocity limits, sanctions screening, and dispute playbook requirements

Who You Are

• 2-4 years in product management with 2+ years in payments/fintech, specifically payment links, payouts, or disbursements
• Deep technical understanding of payment systems, APIs, and infrastructure (you understand architecture, security, compliance)
• Deep understanding of payment operations: deposits, tips, contractor payouts, refunds, chargebacks, and reconciliation flows
• Knowledge of payment edge cases: soft/hard declines, 3DS/SCA, partial approvals, retry logic, dispute evidence requirements
• Passionate about AI and have thought about how autonomous agents could transform financial transactions
• Comfortable with ambiguity and regulated environments—you balance shipping fast with doing things right
• Strong analytical skills - comfortable with SQL, metrics, A/B testing, and data-driven decision making
• Experience with US payment ecosystem and knowledge of providers, regulations, and market dynamics
• Ownership mindset - you take full accountability from vision to execution to results and thrive in ambiguity
• Excited by 0-1 creation, wearing many hats, and working in fast-paced environments
• Bonus: Experience with scheduling/booking businesses, B2B SaaS, subscriptions, or usage-based billing, understanding of conversational UX, voice agents, or messaging commerce for payment collection

Skills: payments,scheduling,agents,product management