Senior Product Manager - Merchant Offline

Darwinbox Digital Solutions Pvt. Ltd.; Gurgaon; On-site; INR 1,200,000 - 2,200,000; Full time

Job summary

Darwinbox Digital Solutions Pvt. Ltd. in Gurgaon invites a Senior Product Manager to own end-to-end product charters within the offline merchant payments stack, driving execution across merchant acquiring, apps, KYC journeys, payouts, and device experiences.

You will work with engineering, design, sales, operations, risk and compliance to ship features that boost merchant activation, transactions, and retention, while tracking funnel metrics and leading cross-functional initiatives.

Qualifications

• 4–6 years of product management experience in fintech/payments or B2B2C platforms.
• Experience writing PRDs and running sprint cycles with engineering.
• Strong SQL and product analytics familiarity (Mixpanel, Clevertap).
• Excellent communication and cross-functional collaboration.
• Understanding offline payments ecosystem (QR, EDC, POS) is a plus.
• Bachelor's in Engineering/Technology; MBA is a plus but not mandatory.

Responsibilities

• Own end-to-end product charters within the offline merchant payments stack.
• Drive onboarding, activation, and lifecycle management of merchants.
• Own roadmap for merchant app, agent app, KYC onboarding, payouts, or devices.
• Translate business inputs into PRDs and user stories; collaborate with engineering and design.
• Track funnel metrics like onboarding TAT, KYC drop-offs, activation rate, settlements, and NPS.
• Collaborate with Ops, risk, compliance, and device teams to hit targets.
• Run structured A/B tests and dashboards for leadership.

Skills

PRD writing

Sprint planning

SQL

Product analytics

Cross-functional collaboration

Fintech/payments domain

Education

Bachelor's in Engineering/Technology

MBA (nice to have)

Tools

Mixpanel

CleverTap

Job description

4 - 6 Years

Permanent

Job Description

About the Role

As SPM, you will own end-to-end product charters within the offline merchant payments stack driving execution

across merchant acquiring, the merchant app, agent app, KYC journeys, payouts & settlements, and Soundbox/EDC

device experience. You will work closely with engineering, design, business/sales, operations, risk, and compliance to

ship features that improve merchant activation, transacting behavior, and retention.

Key Responsibilities

• Offline merchant acquiring — onboarding, activation, and lifecycle management of merchants accepting payments via QR, soundbox, and EDC (card machine) devices
• Merchant app — product roadmap for the merchant-facing app used for transaction tracking, settlement visibility, device management, and support
• Agent app — product for the field/feet-on-street (FOS) sales and service agent app used for merchant onboarding, device deployment, and servicing
• Payments, payouts & settlements — merchant payout cycles, settlement reconciliation, nodal account flows, and
• KYC & compliance — merchant KYC/KYB journeys, RBI/PA-PG and PPI compliance touchpoints, re-KYC, and risk/fraud checks in the onboarding funnel
• Devices — soundbox (audio payment confirmation device) and EDC (card swipe/PoS machine) product lifecycle: procurement coordination, activation, connectivity (SIM/network), firmware, and after-sales service
• Cross-functional ops & business — working with sales/BD, operations, risk, compliance, and device vendor teams to hit acquisition, activation, and retention targets
• Own the product roadmap for one or more of: merchant app, agent app, KYC/onboarding funnel, payouts &
• Translate business and sales inputs into clear PRDs, user stories, and prioritized sprints; work daily with engineering and design to ship on time
• Track and improve funnel metrics — merchant onboarding TAT, KYC drop-offs, device activation rate, transacting merchant %, settlement TAT/accuracy, and app NPS/ratings
• Partner with Ops and vendor/device teams to resolve merchant servicing issues (device faults, connectivity, replacements) and reduce turnaround time
• Work with Compliance and Risk on KYC/KYB rule changes, RBI guidelines, and fraud/risk controls in onboarding and settlement flows
• Run structured A/B tests and data-driven iterations on the merchant and agent apps
• Create dashboards and reporting for leadership on acquisition, activation, retention, and settlement health

Requirements

• 4–6 years of product management experience, with meaningful exposure to fintech/payments, merchant acquiring, lending, or B2B2C platforms
• Hands-on experience with at least one of: merchant onboarding/KYC, payments/settlements, or device-led (PoS/IoT) product
• Strong analytical skills — comfortable with SQL and product analytics tools (e.g., Mixpanel, Clevertap,
• Experience writing PRDs, running sprint cycles with engineering, and working cross-functionally with business and ops teams
• Understanding of the offline payments ecosystem — QR, Soundbox, EDC/PoS, UPI, card networks — is a strong
• Excellent communication skills and comfort working with field/on-ground business and ops stakeholders
• Bachelor's degree in Engineering/Technology required; MBA is a plus but not mandatory