Product Manager – Card Products

6 days ago

Mumbai, Maharashtra, India AU SMALL FINANCE BANK Full time ₹ 12,00,000 - ₹ 36,00,000 per year

About the Role:

Role Overview

We are looking for a forward-thinking Product Manager to spearhead innovation and growth within our Cards vertical. You will be responsible for owning and building Card Management Modules across Debit, Credit & Forex Cards. The ideal candidate will act as the voice of the customer, blending deep regulatory knowledge with a passion for creative problem-solving to create impactful features that drive organic adoption and retention. You will be responsible for envisioning and building the next generation of payment experiences that provide tangible value to our users.

Key Responsibilities

· Own the end-to-end product management process from ideation and discovery to launch and beyond for designated payment features.

· Develop and implement innovative strategies to differentiate our payment offerings and increase organic user adoption.

· Act as the voice of the customer, translating user needs into profitable products by creating detailed Product Requirements Documents (PRDs) with clear UX/UI specifications.

· Ensure rigorous compliance with all RBI mandates and NPCI operating circulars, collaborating closely with legal and risk teams to navigate the regulatory landscape.

· Leverage customer engagement platforms (e.g., CleverTap, MoEngage) and perform deep analysis of user behavior data to identify opportunities for increasing platform stickiness and retention.

· Conduct user testing and A/B testing to validate assumptions, measure feature performance, and continuously improve product offerings.

· Track and report on key performance indicators (KPIs), drawing actionable insights to drive business growth and feature prioritization.

Core Competencies & Skills

· Strategic & Analytical Thinking: Ability to develop a product vision, create data-informed roadmaps, and conduct market research to identify opportunities for differentiation.

· Data-Driven Decision Making: Proficiency in analyzing user data, A/B test results, and performance metrics. Experience with analytics tools (e.g., Google Analytics, Mixpanel, Adobe Analytics) is required.

· Customer-Centricity: A deep empathy for user needs and experience with customer journey mapping and UX/UI design principles to create intuitive products.

· Technical Literacy: A solid grasp of API-driven product development, the software development lifecycle (SDLC), and fintech integrations to facilitate effective communication with engineering.

· Execution & Collaboration: Expertise in Agile methodologies and proficiency with tools like JIRA. Exceptional communication and stakeholder management skills are essential for leading cross-functional teams.

Required Qualifications

· years of experience in product management for digital platforms; fintech or payments experience is strongly preferred.

· Knowledge of PPI payment products is a must.

· A proven track record of delivering successful digital products that drive user engagement and retention.

· Expert-level knowledge of Card Products and underlying partners like Fiserv, Vision Plus, DCMS, Euronet etc

· Hands-on experience with customer engagement and analytics tools like CleverTap or MoEngage.

· Familiarity with banking regulations, compliance requirements, and the Indian payments ecosystem.

· Good to have: Working knowledge of SQL for data extraction and analysis, enabling faster, data-driven decision-making and reducing dependency on engineering teams.

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