Product Manager – UPI (Consumer)

Andpayments; Dadri; On-site; INR 1,600,000 - 2,400,000; Full time

Job summary

Andpayments in Dadri, Uttar Pradesh is looking for a Product Manager to own the consumer UPI surface. This role involves managing the full consumer journey from VPA creation to recurrence settlements, ensuring a seamless and efficient user experience.

The ideal candidate will have over 5 years of product management experience, particularly with consumer-facing UPI products, and a strong understanding of NPCI's UPI schemes. Join Andpayments to define the future of payments in India and beyond.

Qualifications

• 5+ years of product management experience, particularly in payments.
• Hands-on experience with consumer-facing UPI products.
• Deep knowledge of NPCI UPI scheme and mandate framework.

Responsibilities

• Own product roadmap for the TPAP surface including UPI functions.
• Define and own consumer journeys end-to-end.
• Build the issuing-side dispute and chargeback management framework.

Skills

Product management experience

Building consumer-facing UPI products

Understanding of NPCI’s UPI scheme

Technical fluency

Outcome ownership

Experience with compliance processes

Job description

AndPayments is building the next-generation payments stack for Indian businesses, and for businesses globally that need India-grade payments infrastructure. We operate across Payments, RegTech, B2B SaaS and Prepaid Instruments. These are not separate bets. They are a deliberate stack: compliance infrastructure that enables payment products that enable financial instruments, all built together rather than bolted together.

We move fast because we have to. We care deeply about compliance because we build on regulated infrastructure, and because we believe compliance done right is a competitive moat, not just a cost of doing business. We use AI as a primary operating layer, not as a productivity add-on. If you want to spend the next few years building something that will define how Indian businesses transact, and eventually how businesses transact globally, this is where you should be.

About the role

UPI is the most consequential payment rail in the world by volume, and consumer UPI is where the experience is made or broken. We are hiring a PM to own the full consumer UPI surface at AndPayments from the moment a user creates a VPA to the moment a recurring mandate settles quietly in the background.

You will operate as a TPAP-side product owner, sitting at the intersection of NPCI scheme requirements, PSP bank integrations, payment aggregators, and the merchant-acceptance layer. Right now, we are in the middle of building the consumer UPI stack from the ground up — scheme certifications, dispute infrastructure, and credit-on-UPI flows are all live priorities. The PM who joins owns these, not inherits them from someone else.

This is a high-ownership IC role. There is no team to delegate upward to, no playbook that covers everything you will encounter, and no ambiguity about who is accountable. You will own the full UPI consumer experience: how a user onboards, how a mandate settles, how a dispute resolves at midnight. That is yours to build and improve. The problem is large and structurally underserved. Most payment tooling for Indian businesses was built for the top 1%. You will build it for the 99%.

What you'll do

• Own the end-to-end product roadmap for the TPAP surface: P2P, P2M, mandate management (one-time and recurring), UPI Lite, RuPay credit card on UPI, CLoU (Credit Line on UPI), and UPI One World.
• Define and own consumer journeys end-to-end — onboarding, VPA creation, bank account and wallet linking, account discovery, and KYC — so that first use is fast, failure rates are low, and drop-off is understood and actioned.
• Own scheme feature adoption decisions: evaluate feasibility, write the specs, and execute launch for UPI 2.0 overlays, credit-on-UPI, and delegate payments.
• Own BBPS bill payments and recharges: biller category coverage, scheduled payments, failure handling, and reconciliation.
• Own the UPI credit line product (RuPay CC on UPI): linking flows, credit limit display, statement integrations, and repayment experience.
• Own UPI Lite: on-device wallet setup, top-up mechanics, offline transaction support, and balance management.
• Own Account Aggregator and consent management flows: AA linkage, consent lifecycle, data-sharing UX, and revocation.
• Own transaction history and spend analytics surfaces: categorisation logic, export, statements, and user-facing insights.
• Define API contracts, event schemas, and data models with architecture and engineering — and hold the line on quality before downstream teams build on them.
• Define SLAs, observability requirements, and incident escalation playbooks for consumer-facing UPI flows. Own the outcome when things go wrong, not just the specification.
• Make data-driven decisions and actively democratise product metrics across teams. Every stakeholder should know what good looks like before you ask them to act on it.
• Build the issuing-side dispute and chargeback management framework: customer-facing raise flows, internal triage, backend reconciliation with PSP banks and NPCI, and SLA tracking.
• Define decisioning hooks in the payment flow — velocity checks, device signals, and step-up authentication triggers — in partnership with fraud and risk. Treat every fraud spike as a product problem to be solved.
• Own the NPCI certification lifecycle as a product function — plan and execute cross-functionally with compliance, engineering, and PSP bank partners for all scheme-mandated certification cycles.
• Read, interpret, and operationalise NPCI circulars and product circulars without hand-holding. Surface implications, own the response.

What we're looking for

• 5+ years of product management experience, with a meaningful portion in payments or financial services. Relevant experience is non-negotiable.
• Hands‑on experience building consumer-facing UPI products — you have shipped flows that real users use every day, and you can speak to what broke, what worked, and why.
• Deep working knowledge of NPCI’s UPI scheme: VPA management, TPAP and PSP architecture, mandate framework, and the UPI 2.0 feature set.
• Ability to read and operationalise NPCI circulars independently. You do not need someone to translate the circular for you.
• Strong technical fluency — comfortable with API contracts, event‑driven architectures, and data models. You do not write the code, but you understand the constraints your engineers are working within.
• Written output that is decision‑ready. Your PRDs, one‑pages, and escalation memos can be acted on without editing by someone else.
• Track record of owning outcomes, not just shipping features. You can point to metrics that moved because of decisions you made.
• Experience working with compliance, legal, and external partners (banks, NPCI, aggregators) as part of the normal product process — not as an exception.

Nice to have

• Prior exposure to NPCI certification processes: technical certification, compliance audits, or UAT coordination with NPCI.
• Experience with dispute and chargeback management on the issuing or acquiring side.
• Exposure to reconciliation and ledger systems, or to fraud and risk decisioning frameworks in a payments context.
• Startup or early‑stage experience, where scope is earned, not assigned.

AI at AndPayments

AI is the primary operating layer at AndPayments. Humans supervise; AI executes the first pass on research, documentation, analysis and synthesis.

As a PM, you will use AI tools and agentic workflows to move faster on competitive analysis, PRD scaffolding, NPCI circular synthesis, dispute pattern analysis, and experiment design. You will also be the one deciding when the output is ready and when it needs significant revision.

We are not looking for people who avoid AI. We are not looking for people who outsource their thinking to it. We are looking for people who have genuinely changed how they work because of AI, and who are still rigorous about the quality of what they produce. Judgement is what we are hiring. AI is the tool.

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