Group Product Manager

Group Product Manager (Payments)

Location: Gurgaon

Experience: 11–15 Years

Role: Group Product Manager – Payments Platform & Experience

Employment Type: Full-Time

About the Role

We are looking for an experienced Group Product Manager – Payments to lead the strategy, development, and optimisation of payment platforms and customer payment experiences.

The ideal candidate should have deep expertise in payment gateways, card payments, network tokenisation, payment routing, and payment orchestration, with a proven track record of building and scaling payment products.

This role requires strong product leadership, technical understanding of payment infrastructure, and the ability to work closely with Engineering, Payment Gateways, Banking Partners, and Business teams to deliver secure, scalable, and high-performing payment solutions.

Key Responsibilities

1. Payment Gateway Integrations & Payment Infrastructure

• Own the product strategy and roadmap for payment gateway integrations, payment processing, and payment infrastructure.
• Drive integrations with multiple payment gateways, acquiring banks, payment processors, and payment service providers.
• Demonstrate deep understanding of credit cards, debit cards, direct debit, banking payments, Apple Pay, Google Pay, and alternative payment methods.
• Work closely with external payment partners to build reliable, scalable, and seamless payment solutions.
• Own the end-to-end payment transaction lifecycle, including authorisation, capture, refunds, settlement, and transaction failures.
• Collaborate with Engineering teams to improve payment reliability, scalability, and transaction success rates.2. Card Tokenisation & Payment Security
• Lead product initiatives around card tokenisation across Visa, Mastercard, Diners Club, RuPay, and other card networks.
• Define product requirements for network tokenisation, secure card storage, and saved payment instruments.
• Work with Engineering, Compliance, and Payment Partners to implement secure and compliant tokenisation solutions.
• Drive improvements in payment security, customer convenience, and recurring payment experiences.
• Ensure alignment with PCI-DSS, card network regulations, and applicable payment security standards.3. Payment Routing & Orchestration
• Own the product roadmap for payment routing and orchestration capabilities across multiple gateways, banks, and payment methods.
• Drive the development of manual, rule-based, and automated payment routing solutions.
• Define intelligent routing strategies based on payment success rates, gateway performance, transaction costs, payment methods, and customer experience.
• Partner with Engineering teams to implement payment failover, fallback mechanisms, and retry strategies.
• Continuously optimise payment acceptance rates, transaction success rates, latency, and processing costs.
• Use data-driven insights to identify opportunities for improving payment performance and operational efficiency.4. Payment Experience & Checkout Optimisation (Good to Have)
• Own and enhance the end-to-end customer payment journey, including payment pages and checkout experiences.
• Define product strategies for payment method ordering, saved cards, preferred payment methods, and seamless checkout.
• Drive intelligent payment retry logic and payment recovery journeys to reduce transaction failures.
• Improve checkout conversion, payment success rates, and overall customer satisfaction.
• Partner with Design, Analytics, and Engineering teams to deliver intuitive and frictionless payment experiences.5. Product Strategy & Leadership
• Define and execute the long-term product vision and roadmap for the payments ecosystem.
• Lead cross-functional initiatives involving Engineering, Business, Finance, Risk, Compliance, and external payment partners.
• Translate complex payment infrastructure requirements into scalable product solutions.
• Own product prioritisation, business cases, success metrics, and execution.
• Drive product decisions through customer insights, transaction analytics, experimentation, and business impact.
• Mentor Product Managers and build strong product management practices across the payments domain.Required Skills & Experience
• 11–15 years of overall experience, with significant experience in Product Management and payment-related products.
• Proven experience owning payment products within a payment gateway, payment aggregator, FinTech, banking, or large-scale product organisation.
• Deep functional and technical understanding of card payments, payment gateways, direct debit, banking payments, and digital wallets.
• Strong experience managing payment gateway integrations and working directly with payment service providers.
• Hands-on product ownership experience in card tokenisation, preferably across Visa, Mastercard, Diners Club, and RuPay.
• Proven experience building or managing payment routing engines, smart routing, or payment orchestration platforms.
• Strong understanding of payment APIs, transaction processing, payment architecture, and distributed payment systems.
• Demonstrated ability to work closely with Engineering teams on complex payment infrastructure products.
• Strong analytical skills with experience improving payment success rates, transaction conversion, and processing efficiency.
• Excellent stakeholder management, product strategy, execution, and leadership capabilities.Good to Have
• Experience owning checkout and customer-facing payment experiences.
• Experience with Apple Pay, Google Pay, recurring payments, and alternative payment methods.
• Exposure to saved cards, payment method prioritisation, one-click checkout, and intelligent retry logic.
• Experience with cross-border payments or large-scale international payment platforms.
• Prior experience managing Product Managers or leading multiple payment product workstreams.Preferred Candidate Background

Candidates with relevant payments product experience from organisations such as:

Payment Gateways & FinTech: Razorpay, PayU, Cashfree, Stripe, Adyen, Checkout.com, Worldpay, CCAvenue, or similar companies.

E-commerce & Consumer Technology: Amazon, Flipkart, PhonePe, Google Pay, Paytm, or other product-based organisations with sophisticated payments infrastructure.

Experience building and scaling complex payments products will be prioritised over company pedigree.

Key Success Metrics

• Improvement in overall payment success and authorisation rates.
• Reduction in payment processing costs and gateway failures.
• Improved transaction routing efficiency and reliability.
• Successful rollout and adoption of card tokenisation capabilities.
• Reduction in payment latency and transaction drop-offs.
• Improvement in checkout conversion and payment completion rates, where applicable.What Makes an Ideal Candidate?

We are looking for a strong, technically sound Product Leader who has directly owned and built payment products, not someone whose experience is limited to payment operations, merchant onboarding, or basic gateway integrations.

The ideal candidate should bring:

• Deep Payments Domain Expertise: Strong knowledge of cards, banking payments, and payment gateway ecosystems.
• Card Tokenisation Ownership: Experience driving network tokenisation initiatives across major card networks.
• Payment Routing Expertise: Proven ownership of payment routing, orchestration, and transaction optimisation products.
• Strong Technical Product Management: Ability to partner with Engineering teams on complex payment infrastructure.
• Strategic Product Leadership: Ability to define roadmaps, influence stakeholders, and drive measurable business outcomes.