You can become a part of

… a truly aspirational brand, one of India’s fastest growing fintech companies that offers a range of financial services & products for merchants, kirana store owners and end consumers. Valued at over $2.8 Bn within a short span of 3+ years, we focus on empowering small business owners and retailers with business ranging from QR & PoS payments to easy loans to high-yield investment products which in turn enables them to grow and transform. We understand that business and culture are two sides of the same coin. So, alongside business, we are equally focused on building a culture where employees succeed unconditionally.

We believe we are in an ever-evolving space with immense opportunity to build for Bharat! Our people will enable this journey with their ideas, innovations and capabilities. We value diversity, where we encourage different points of view, ways of thinking, new capabilities to strengthen and improve the lives of our customers. And that is not all, we have a lot of fun while we explore new ideas, solve real problems, collaborate, connect - and we do it all together.

Connect with us over social media, coffee or call. We promise to excite you with an opportunity that will “change the game”!

In this role, you have the opportunity to

Develop and execute the strategy for our new in-house UPI Switch. You will be responsible for building and managing this highly complex, critical payments product independently with limited manager support

Responsibilities will include

Functional Expertise & UPI Architecture

1. Define and execute the product strategy and roadmap in alignment with company vision and objectives.
2. Spearhead the transition to an in-house UPI Switch, ensuring high availability, scalability, and adherence to all NPCI specifications and compliance mandates.
3. Leverage AI to optimize intelligent payment routing algorithms, enhance real-time fraud detection mechanisms, and improve overall transaction success rates.
4. Identify and solve problems at the functional level while driving process improvements for the product.
5. Ensure successful product launches and high adoption rates for new payment routing capabilities.

Problem Solving

1. Display a customer-centric mindset, actively working to understand problems and develop innovative technical solutions.
2. Track product performance using relevant KPIs, analyzing usage and transaction data (utilizing predictive analytics) to drive product improvements and minimize failure rates.
3. Conduct market and competitive analysis to identify opportunities for growth and differentiation.
4. Develop and implement go-to-market strategies, working with all departments for seamless execution.

Interaction:

1. Collaborate with cross-functional teams, including engineering, data science, design, operations, marketing, and sales, to guide products from conception to launch.
2. Manage internal stakeholder relationships and maintain a strong awareness of the overall business context.
3. Act as the primary product liaison with external partners, including NPCI, sponsor banks, and other regulatory or financial institutions, ensuring seamless switch integration, compliance, and swift resolution of network-level issues.
4. Demonstrate excellent presentation and communication skills
5. Act as a mentor for APMs and other Product Managers on the team.

To succeed in the role

Impact

• Product Leadership: Develop and execute the strategy for this highly complex, mission-critical product independently, with limited manager support, acting as the cornerstone of our payment ecosystem.
• Take ownership of BharatPe’s core UPI Switch infrastructure, directly impacting millions of daily transactions across our vast network of merchants and consumers.
• Drive critical business outcomes by improving SR, ensuring 99.99% system uptime, and optimizing payment processing costs through intelligent, AI driven routing

Challenges & Decisions

• Strong analytical application - specifically demonstrating excellent problem-solving skills with complex data.
• Navigating complex technical challenges inherent in building a highly available, high-TPS UPI Switch from the ground up.
• Demonstrating deep technical know-how to make critical architectural decisions regarding NPCI protocols, bank API integrations, and AI driven load balancing.
• Exercising robust stakeholder management to seamlessly align internal engineering teams with external regulatory bodies like NPCI and sponsor banks during critical downtimes or compliance audits.

Qualification & Experience (type & industry)

• BE/B.Tech or equivalent Degree. MBA is good to have
• 5-8 Yrs of experience
• At least 5 years of experience in product management in Fintech Space
• Deep understanding of financial systems and payment platforms, with specific hands-on experience building, scaling, or managing a UPI Switch or core payment gateway infrastructure.

Skills & know-how

• UPI & Payments Domain: Deep knowledge of core UPI architecture (UPI 1.0/2.0, UPI Lite, Credit on UPI), NPCI technical specifications, clearing/settlement cycles, and handling complex payment states (timeouts etc).
• AI & Application: Practical experience leveraging AI/ML for predictive smart routing, real-time fraud/anomaly detection, and automated load balancing.
• Technical Acumen: Strong understanding of APIs, microservices, queuing mechanisms (like Kafka), and designing for high-throughput, low-latency distributed systems.
• Product Execution: Proficient in Agile methodologies, writing detailed API - focused PRDs, and leading parallel tracks across engineering, compliance, and banking operations.
• Data-Driven Problem Solving: Strong capability to analyze complex transactional data and network metrics to identify bottlenecks, optimize routing algorithms, and maximize SR