Paytm Labs

Digital payments, loans, investments, and insurance

Product Management - UPI Product

Product ManagementConfirmed live in the last 24 hours

Full-timeBengaluru, Karnataka, IndiaNo salary listedIn-person

About the Job

Requirements

Experience in product management, ideally in consumer fintech, payments, or high-scale consumer internet products.
Proven experience owning large, consumer-facing products at scale, such as UPI, wallets, payments, or adjacent fintech products.
Ability to analyze funnels and cohorts and use SQL or data tools and experimentation frameworks to form and test hypotheses.
Demonstrated ability to apply artificial intelligence or machine learning to product problems such as personalization, fraud detection, conversational or agentic interfaces, or workflow automation.
Track record of building products from 0 to 1 and scaling platforms from 1 to 100, operating in ambiguity, and translating problems into specifications and roadmaps.
Ability to manage stakeholders and communicate effectively with engineering leaders, regulators, and executives.
Strong understanding of the UPI ecosystem, including NPCI guidelines, bank partnerships, payment rails, and the competitive landscape.
Ability to understand modern artificial intelligence capabilities and drive implementation, without necessarily building the models.

Responsibilities

Define the vision and multi-year strategy for the UPI product suite and translate it into a roadmap balancing scale, reliability, growth, and innovation.
Drive core UPI metrics, including transaction success rate, activation, retention, P2P and P2M growth, and market share, with ownership of relevant P&L levers.
Identify opportunities for generative artificial intelligence, machine-learning-based risk models, conversational interfaces, and intelligent automation to simplify journeys, improve payment success, reduce fraud, and reduce operational workload.
Use consumer research, funnel analytics, and cohort data to represent customer needs, challenge assumptions, and prioritize work.
Manage stakeholders and partners across NPCI, banking partners, regulators, and internal risk, compliance, and legal teams to ensure UPI products are user-friendly and compliant.
Drive quarterly and annual planning, set measurable OKRs, and remain accountable for outcomes.
Represent Paytm externally as a thought leader on UPI and digital payments innovation in India.

Desired Qualifications

An MBA or equivalent from a top-tier institute is preferred, but does not substitute for demonstrated product judgment and results.

About Paytm:

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

About the Role

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.

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.

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

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!

Requirements at a Glance

Experience Level: Expert
Education: MBA

Benefits

Health & Wellbeing - Your group health benefits are 100% funded by us, and start on your first day.
Travel the World - Even though we are currently working remotely, usually our employees make frequent international business-related trips while working on exciting projects.
Continuous Learning - We're passionate about learning and strive to constantly improve and innovate. We learn from others, our challenges & our successes.
Connection - In this virtual world, we stay connected through events like game nights, movie nights, arts & crafts sessions (like Origami), meditation sessions, and much more.
Autonomy & Flexibility - You get to define how you want to make an impact. We truly believe that great things happen when people are given the trust and freedom to create their own path.
Beautiful Office - Whenever we return back to the office, you’ll get to check out our awesome workspace, complete with pool and ping pong tables, a snack-filled kitchen, and tons of cozy work spaces.

About the Company

Paytm Labs

Digital payments, loans, investments, and insurance

Paytm Labs offers an integrated digital payments and financial services platform in India for individuals and businesses, covering UPI payments, mobile recharges, bill payments, ticket bookings, loans, investments, insurance, metro cards, and more. Users initiate payments or financial actions in the app, which are processed through UPI and payment gateways, with revenue from transaction fees and commissions on financial services. It differentiates itself through a large ecosystem of merchants and users, a wide range of services in one app, and a focus on customer support and trust. Its goal is to make a broad set of financial services easily accessible to mass-market users while growing revenue via payment processing and financial services partnerships at scale.

Company size: 10,001+
Company stage: IPO
Headquarters: Noida, India
Founded: 2014

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