Product Manager — Virtual Cards

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

Job summary

Finkraft is seeking a Product Manager in Bengaluru, India, to take ownership of a virtual card platform. The ideal candidate will direct research and development, liaise with clients, and ensure compliance with RBI guidelines.

The role demands 4–8 years in fintech product management, focusing on card issuance and payment systems. You will guide the delivery of the platform and engage with clients to optimize their experiences. Achieve live implementations within 60 days and produce crucial documentation.

Qualifications

• 4–8 years in fintech product management, particularly in card or payment systems.
• Strong understanding of card networks and authorization flows.
• Hands-on experience with bank and payment gateway APIs.
• Ability to create detailed technical documents independently.

Responsibilities

• Own the virtual card platform from issuance to settlement.
• Interact directly with clients to improve workflows.
• Document APIs, compliance guidelines, and system architecture.
• Manage client UAT and oversee implementation processes.

Skills

Fintech product management

Card networks understanding

API integration

RBI compliance knowledge

Documentation skills

Job description

Bangalore South, India | Posted on 06/23/2026

We are looking for a Product Manager who operates as an individual contributor — someone who owns output, not just process. You will talk directly to clients, TMCs, and OTAs; understand issuing bank APIs and payment networks; navigate RBI and PCI‑DSS compliance; and ship a live virtual card implementation end‑to‑end within 60 days.

Experience

4–8 years in fintech product management

Domain

Card issuance, payment systems, travel fintech

Working Style

IC — self-directed, owns research and delivery

Location

India (RBI/PPI compliance context required)

Key Responsibilities

• Own end‑to‑end virtual card platform: issuance, spend controls, reconciliation, and settlement
• Talk directly to clients, TMCs, and OTAs (TBO, Yatra) to understand current workflows and pain points
• Understand and document issuing bank APIs — card creation, MCC controls, velocity limits, webhooks
• Navigate Mastercard/Visa network rules, BIN sponsorship models, chargeback and settlement cycles
• Study RBI PPI guidelines, PCI‑DSS requirements, and global payment regulations relevant to travel card use cases
• Analyse how existing OTA/TMC integrations issue virtual cards and produce a detailed replacement strategy document
• Write the PRD and system architecture for Finkraft's virtual card platform covering API design, ledgering, and fraud integration
• Select 2–3 pilot clients, define implementation scope, and drive sprint execution with the tech team
• Personally run UAT with clients and own the go‑live checklist

Requirements

4–8 years in fintech PM, specifically in card or payment systems

Strong understanding of card networks, BIN sponsorship, authorization flows, and settlement cycles

Hands‑on experience reading and working with issuing bank and payment gateway APIs

Familiarity with RBI PPI master directions, PCI‑DSS, KYC/AML frameworks

Ability to produce detailed technical documents independently — PRD, system architecture, integration specs

Experience coordinating with engineering teams on sprint planning and delivery

Prior exposure to travel fintech (OTAs, TMCs, expense management) is a strong plus

What Makes This Role Different

This is not a coordination role. You will be the primary driver of research, documentation, client engagement, and execution. Within 60 days, you will have produced a complete PRD and architecture document, and will have at least one client live on Finkraft's virtual card platform.