Product Manager - UPI

Cheq Digital; Bengaluru; Presencial; INR 1 500 000 - 2 600 000; Tempo integral

Resumo da oferta

Cheq Digital is seeking a Product Manager to own and scale the UPI TPAP journey. You will drive onboarding, payment flows, reliability, and growth while coordinating with PSP bank partners and NPCI guidelines.

You will manage the product roadmap, define metrics, and translate regulatory changes into actionable engineering tasks. This high-ownership role centers on delivering a robust payment experience used by millions daily.

Qualificações

• 2-4 years of product management experience, with exposure to UPI TPAP or fintech/payments.
• Strong knowledge of the UPI ecosystem, NPCI guidelines, and regulatory requirements.
• Proven experience shipping payment products end-to-end from PRD to launch and iteration.
• Comfort with data, ability to define metrics, analyze funnels, and make data-driven prioritization decisions.
• Excellent stakeholder management across engineering, design, compliance, risk, and external partners.
• Bachelor's degree in Engineering, Technology, or related field; MBA is a plus.

Responsabilidades

• Own the end-to-end UPI TPAP product journey, including onboarding and transaction lifecycle management.
• Define and drive the product roadmap to scale UPI as a TPAP, balancing user experience and business metrics.
• Track NPCI circulars, guidelines, and API updates, translating changes into product requirements.
• Own product metrics such as transaction success rate, latency, and NPCI-mandated SLAs; drive improvements.
• Write PRDs, user stories, and flows; collaborate with design and engineering to ship features.
• Drive UAT, NPCI/PSP certification, and go-live checklists for new features or PSP bank additions.
• Analyze transaction data to identify drop-offs, fraud patterns, and growth opportunities.
• Collaborate with risk/compliance/customer support to ensure NPCI TAT compliance in flows.
• Liaise with NPCI, PSP banks, and payment aggregators to unblock issues and represent product interests.

Conhecimentos

Product management

Fintech / payments

Data analysis

Stakeholder management

Written communication

Formação académica

Bachelor's degree in Engineering/Technology

Ferramentas

SQL

Excel

Descrição da oferta de emprego

Job Summary

We are looking for a Product Manager to own and scale our UPI Third-Party Application Provider (TPAP) journey. You will be responsible for driving the end-to-end UPI product experience onboarding, payment flows, reliability, and growth while working closely with our PSP bank partners and staying aligned with NPCI's evolving rules and guidelines. This is a high-ownership role for someone who wants to build a payment product used by millions of users every day.

What You'll Do

• Own the end-to-end UPI TPAP product journey - VPA creation, device binding, UPI registration/onboarding, mandate/autopay, collect pay flows, and transaction lifecycle management.
• Define and drive the product roadmap for scaling UPI as a TPAP, balancing user experience, compliance, and business metrics (success rate, activation, retention).
• Track and implement NPCI circulars, guidelines, and API version updates (UPI 2.0, UPI Lite, UPI Lite X, Credit Line on UPI, AutoPay, RuPay Credit on UPI, etc.) translating regulatory/technical changes into product and engineering requirements.
• Own product metrics such as transaction success rate (TSR), latency, decline/failure analysis, and NPCI-mandated SLAs; work with engineering and ops to improve them.
• Write detailed PRDs, user stories, and flows; work with design and engineering to ship features.
• Drive UAT, certification testing with NPCI/PSP, and manage go-live checklists for new features or PSP bank additions.
• Analyze transaction and funnel data to identify drop-offs, fraud patterns, and growth opportunities across the UPI stack.
• Collaborate with risk, compliance, and customer support teams to ensure grievance redressal, chargeback, and dispute management flows meet NPCI TAT requirements.
• Liaise with external stakeholders - NPCI, PSP banks, payment aggregators - to unblock issues and represent product interests in ecosystem forums.

What We're Looking For

• 2-4 years of product management experience, with meaningful exposure to building or scaling a UPI TPAP product (fintech, banking, or payments company).
• Strong working knowledge of the UPI ecosystem - NPCI, PSP, TPAP roles, transaction flows (P2P, P2M, collect, intent, QR), and the UPI switch architecture.
• Familiarity with NPCI guidelines and circulars onboarding requirements, transaction limits, security protocols, and compliance mandates for TPAPs.
• Proven experience shipping payment products end-to-end from PRD to launch to post-launch iteration.
• Comfort with data - able to define metrics, analyze funnels (SQL/Excel proficiency preferred), and make data-backed prioritization calls.
• Experience working with PSP banks or NPCI-facing integrations/certifications is a strong plus.
• Excellent stakeholder management skills - you'll coordinate across engineering, design, compliance, risk, and external banking/NPCI partners.
• Strong written communication for PRDs, NPCI documentation responses, and cross-team alignment.
• Bachelor's degree in Engineering, Technology, or related field; MBA is a plus but not mandatory.

Good to Have

• Exposure to UPI Lite, UPI AutoPay/Mandates, Credit Line on UPI, or UPI International.
• Understanding of payment risk, fraud detection, and chargeback/dispute mechanisms in UPI.
• Prior experience at a fintech app, payment aggregator, PSP bank, or NPCI-linked organization.

Disclaimer: This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.