Product Manager – FinTech

Location: Bengaluru, Karnataka, India

Experience Level: 3–4 Years

Employment Type: Full-Time, Permanent

Work Arrangement: On-Site (In-Office)

Department: Product Management

Position Summary

The organization is seeking a highly qualified Product Manager – FinTech with 3 to 4 years of relevant professional experience to spearhead the strategic planning, development, and expansion of enterprise financial technology solutions.

The successful candidate will demonstrate comprehensive expertise in financial technology product management, encompassing financial instruments, institutional customer requirements, digital workflows, and platform-scale engineering principles. This role requires close collaboration with technical architecture and engineering teams to synthesize complex business objectives and client requirements into scalable, robust product solutions.

The position entails end-to-end ownership of the product lifecycle, including strategic discovery, requirements definition, architecture alignment, market deployment, performance optimization, and lifecycle management.

The incumbent will partner with cross-functional executive stakeholders across Engineering, User Experience, Quality Assurance, Business Operations, Legal, Risk, and Regulatory Compliance to ensure the delivery of secure, compliant, and highly reliable financial products.

Key Accountabilities & Responsibilities

• Formulate and execute product vision, multi-year roadmaps, and strategic priorities aligned with corporate objectives.
• Analyze market dynamics, customer demand, and operational inefficiencies to formulate actionable enterprise product initiatives.
• Direct the end-to-end product development lifecycle from inception through go-to-market execution and post-launch governance.
• Author comprehensive Product Requirement Documents (PRDs), functional specifications, process flow diagrams, user stories, and acceptance criteria.
• Engage closely with Engineering leadership to ensure precise technical implementation of product requirements.
• Collaborate with User Experience (UX/UI) teams to establish seamless, efficient, and enterprise-grade user journeys.
• Manage and refine the product backlog based on quantifiable business value, technical feasibility, and strategic priority.
• Partner with Quality Assurance to define test strategies, edge-case coverage, and formal acceptance criteria.
• Orchestrate cross-functional delivery streams to manage technical dependencies, mitigate risks, and fulfill deployment schedules.
• Establish Key Performance Indicators (KPIs) to track product adoption, transaction volume, conversion metrics, and system efficiency.
• Leverage advanced analytics, customer feedback loops, and operational intelligence to drive iterative product enhancements.
• Conduct competitive benchmarking and market analysis to identify strategic expansion opportunities within the global FinTech ecosystem.
• Align product architecture with operational workflows to ensure operational scalability and efficiency.
• Ensure full compliance with regulatory standards, data privacy mandates, risk protocols, and enterprise security frameworks.

Domain Expertise & Technical Competencies

Candidates must possess subject matter expertise in financial services infrastructure, transaction processing platforms, and regulatory compliance environments.

Demonstrated domain experience in one or more of the following areas is highly desirable:

• Digital Payment Systems & Payment Gateway Architecture
• Real-Time Payment Networks (e.g., UPI, IMPS) & Open Banking APIs
• Core Banking Infrastructure & Embedded Finance
• Lending Infrastructure, Credit Scoring, & Underwriting Engine Platforms
• Digital Identity, eKYC, AML, & Onboarding Compliance Workflows
• High-Throughput Transaction Processing Engines
• Automated Clearing, Settlement, & Reconciliation Frameworks
• Dispute Management, Refunds, & Chargeback Processing
• Stored-Value Instruments & Digital Ledger Systems
• Fraud Detection, Risk Engine Optimization, & Compliance Monitoring
• WealthTech & InsurTech Platform Integrations
• Financial Data Analytics & Enterprise Reporting Systems

A thorough understanding of the end-to-end lifecycle of financial transactions—including initiation, authorization, settlement, reconciliation, exception handling, and auditing—is essential.

Strong emphasis is placed on ensuring data integrity, transactional accuracy, auditability, system resilience, and compliance with information security standards.

Technical Proficiency

While hands-on software development is not required, the candidate must possess technical acumen sufficient to converse fluently with system architects, evaluate technical tradeoffs, and translate software architecture capabilities into product specifications.

Technical Expectations Include Proficiency In The Following Areas

• Comprehension of modern cloud architecture, microservices, and distributed software systems.
• Understanding API specs (REST/SOAP), data payloads, webhooks, and third-party integration patterns.
• Analysis of system data flows, technical dependencies, and cross-platform integrations.
• Identification of technical edge cases, error-handling logic, timeout protocols, and retry strategies.
• Familiarity with enterprise security standards, authentication protocols (OAuth, SAML), and data encryption standards.
• Working knowledge of relational databases, data modeling concepts, and SQL querying capabilities.

Professional Qualifications & Skills

• 3 to 4 years of progressive Product Management experience within FinTech, Financial Services, Banking, or Enterprise SaaS organizations.
• Demonstrated mastery of product management methodologies, Agile/Scrum frameworks, and system execution practices.
• Proven track record of authoring structured PRDs, technical scope documents, and enterprise system specifications.
• Superior analytical, problem-solving, and decision-making capabilities using quantitative metrics.
• Exceptional executive communication, written documentation, and stakeholder management abilities.
• Proven capacity to manage competing organizational priorities and navigate complex cross-functional landscapes.

Preferred Qualifications

• Prior background in designing, deploying, or managing high-availability financial applications.
• Proficiency with industry-standard product management, analytics, and collaboration tooling (e.g., Jira, Confluence, Figma, Mixpanel, Amplitude).
• Familiarity with cloud computing infrastructure (AWS, Azure, Google Cloud Platform).

Exposure to AI/ML applications within fraud detection, risk scoring, or automated decisioning.

What We Offer

• Competitive fixed salary + Performance-based bonuses
• Equity options (ESOPs)
• Comprehensive health insurance coverage
• Direct impact and ownership of core fintech architecture
• Collaborative, high-growth engineering culture

Skills: analytical & stakeholder management skills,technical & api understanding,fintech product management,product strategy & requirement management