Product Management - UPI Product | Experience : 6-9 yrs

Role overview

Product Management - UPI Product | Experience : 6-9 yrs at Paytm

We're looking for a Product Management to own and scale our UPI product charter - one of the largest and most consequential product surfaces in Indian fintech.

This is a role for someone who is equal parts strategic operator and hands-on builder - someone who can set a multi-year vision for UPI and translate it into a roadmap that ships.

We want someone who thinks in systems and platforms, is deeply fluent in consumer behavior and data, and is genuinely excited about applying modern AI - agents, LLMs, personalization, and automation - to solve payment problems at massive scale.

You'll own outcomes across the full UPI stack: P2P and P2M payments, onboarding, mandates/AutoPay, payment success rates, fraud & risk experience, and next-gen AI-powered payment journeys - while partnering closely with Engineering, Data Science, Design, Risk, Compliance, NPCI/bank partnerships, and Business teams.

Key Responsibilities -->Define the vision and multi-year strategy for Paytm's UPI product suite, and translate it into a roadmap that balances scale, reliability, growth, and innovation. -->Drive core UPI metrics - transaction success rate, activation, retention, P2P/P2M growth, and market share - with full ownership of the P&L levers that matter. -->Champion an AI-first product culture: identify where Generative AI, ML-based risk models, conversational interfaces, and intelligent automation can simplify journeys, improve payment success, reduce fraud, and cut operational load. -->Be the voice of the customer - using consumer research, funnel analytics, and cohort data to challenge assumptions and prioritize ruthlessly. -->Own stakeholder and partner management across NPCI, banking partners, regulators, and internal risk/compliance/legal teams, ensuring UPI products are both delightful and fully compliant. -->Drive quarterly and annual planning cadences, set measurable OKRs, and stay accountable to outcomes, not output. -->Represent Paytm externally as a thought leader on UPI and digital payments innovation in India.

Superpowers/ Skills that will help you succeed in this role:

->Experience in product management, ideally in consumer fintech, payments, or high-scale consumer internet products.

Why join us: A collaborative output driven program that brings cohesiveness across businesses through technology Improve the average revenue per use by increasing the cross-sell opportunities A solid 360 feedback from your peer teams on your support of their goals.

Respect, that is earned, not demanded from your peers and manager

Preferred qualifications and skills

• Proven experience owning large, consumer-facing products at scale (tens of millions of users/transactions) - UPI, wallets, payments, or adjacent fintech products strongly preferred. -->Strong product analyst instincts - comfortable going deep into funnels, cohorts, SQL/data tools, and experimentation frameworks to form and test hypotheses, not just review dashboards. -->Demonstrated ability to apply AI/ML to real product problems - whether that's personalization, fraud detection, conversational/agentic interfaces, or workflow automation.
• You don't need to write the models, but you need to know what's possible and know how to get it built. -->A track record of building 0→1 products and scaling 1→100 platforms, with comfort operating in ambiguity and translating messy problems into crisp specs and roadmaps. -->Excellent stakeholder management and communication skills - you can influence engineering leaders, regulators, and executives with equal clarity. -->Strong understanding of the UPI ecosystem - NPCI guidelines, bank partnerships, payment rails, and the competitive landscape (PhonePe, Google Pay, and emerging players). -->MBA or equivalent from a top-tier institute preferred, but not a substitute for demonstrated product judgment and results.

Employment details

• Compensation: If you are the right fit, we believe in creating wealth for you.
• With enviable 500 mn+ registered users, 21 mn+ merchants and depth of data in our ecosystem, we are in a unique position to democratize credit for deserving consumers & merchants - and we are committed to it.
• India’s largest digital lending story is brewing here.
• It’s your opportunity to be a part of the story!
• Location: Bangalore [Karnataka]

About the employer

• Paytm is India's leading mobile payments and financial services distribution company.
• Pioneer of the mobile QR payments revolution in India, Paytm builds technologies that help small businesses with payments and commerce.
• Paytm’s mission is to serve half a billion Indians and bring them to the mainstream economy with the help of technology