Product Manager- UPI Consumer App

AndPayments; Dadri; On-site; INR 2,500,000 - 4,500,000; Full time

Job summary

AndPayments is building the next-generation payments stack for Indian businesses, starting with a consumer UPI experience. The Product Manager – UPI (Consumer) will own onboarding, settlements, and dispute resolution, with full accountability for the user journey and the ability to shape the roadmap in a high-ownership IC role.

You’ve shipped consumer-facing UPI products, bring deep NPCI UPI scheme knowledge, and excel at defining API contracts and data models.

Qualifications

• 5+ years of PM experience in payments or financial services.
• You’ve shipped consumer-facing UPI products and know what breaks and what works.
• Deep knowledge of NPCI UPI scheme — VPA architecture, TPAP/PSP mechanics, mandates.
• Comfortable with API contracts, event-driven systems, and data models.
• PRDs and memos that are decision-ready; track record of owning outcomes with measurable metrics.

Responsibilities

• Own the full consumer UPI experience from onboarding to settlement.
• Define and drive product features across TPAP, P2P, P2M, UPI Lite, and related surfaces.
• Lead disputes, chargebacks, and reconciliation frameworks; ensure SLA and triage flows.
• Navigate NPCI certification lifecycles as a product function you own.
• Collaborate with eng, design, and business teams to ship high-impact outcomes.

Skills

PM experience in payments

Shipped consumer-facing UPI products

NPCI UPI knowledge

API contracts & event-driven data

Metrics-driven ownership

Job description

UPI moves more money than almost anything else on Earth. We're hiring the person who'll own how consumers experience it.

Hey All,

AndPayments is building the next-generation payments stack for Indian businesses — and eventually, for businesses everywhere that need India-grade payments infrastructure. Payments, RegTech, B2B SaaS, Prepaid Instruments — built together as one deliberate stack, not stitched together after the fact.

We're hiring a Product Manager – UPI (Consumer) to own something massive: the entire consumer UPI experience, from the moment someone creates a VPA to the moment a recurring mandate quietly settles in the background at 2am.

Why this role is genuinely rare:

UPI is the biggest payment rail in the world by volume. And right now, we're building our consumer UPI stack from the ground up — scheme certifications, dispute infrastructure, credit-on-UPI, all live priorities, all up for grabs. Whoever joins doesn't inherit a roadmap. You write it.

This is a high-ownership IC role. No team to delegate upward to. No existing playbook that covers everything you'll hit. Just full accountability for how a user onboards, how a mandate settles, how a dispute resolves — and the freedom to actually fix it, not just spec it.

What you'll own:

• The full TPAP surface — P2P, P2M, mandates, UPI Lite, RuPay Credit Card on UPI, Credit Line on UPI, UPI One World
• BBPS bill payments, spend analytics, and transaction history surfaces
• The dispute and chargeback framework — raise flows, triage, PSP/NPCI reconciliation, SLAs
• The entire NPCI certification lifecycle, as a product function you drive

What we need from you:

• 5+ years of PM experience, meaningfully rooted in payments or financial services
• You've actually shipped consumer-facing UPI products — you know what broke, what worked, and why
• Deep, real knowledge of NPCI's UPI scheme — VPA architecture, TPAP/PSP mechanics, mandates, UPI 2.0
• You read NPCI circulars and know what to do next, without a translator
• Comfortable with API contracts, event-driven systems, and data models — you don't write the code, but you understand its constraints
• PRDs and memos that are decision-ready, not draft-ready
• A track record of owning outcomes — metrics that moved because you moved them

Bonus points for: NPCI certification/UAT experience, dispute & chargeback management background, reconciliation/ledger exposure, fraud & risk decisioning experience, or startup scars where scope was earned, not handed to you.

If you've ever used UPI and thought "I know exactly how I'd make this better" — this is the job where you get to actually do it.

Know more: www.andpayments.com

Regards,

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