Dy. Manager / Manager -Payment Routing & Optimization

We are looking for a highly motivated and detail-oriented Manager Payment Routing &

Optimization to join our Payments Operations team. The ideal candidate will be responsible

for managing and optimizing transaction routing across multiple payment methods –

including Cards and UPI – and across multiple acquiring partners. This role is critical to

improving our transaction success rates, reducing costs, and ensuring the highest service

levels to our merchants.

Key Responsibilities:

- Routing Strategy & Execution:

Develop and implement intelligent routing strategies for Cards, UPI, and other

payment instruments across multiple acquiring banks and payment partners.

- Optimization:

Continuously monitor success rates and transaction costs to identify improvement

areas and switch routing paths accordingly.

- Data-Driven Decision Making:

Analyze payment flow data, identify trends and performance patterns across different

acquirers, and use this insight to drive routing rules and configurations.

- Acquirer Management:

Collaborate closely with acquiring banks and PSPs to understand capabilities,

downtime windows, fee structures, and technical updates.

- Monitoring & Alerts:

Monitoring and taking corrective actions as needed

- Collaboration:

Work with Business, product, and operations teams to implement routing logic and

get issues resolved quickly

Required Skills and Qualifications:

• 3–6 years of experience in payment routing, payment operations, or payment product management at a payment aggregator, gateway, fintech, or acquiring bank.
• Strong understanding of how a payment aggregator works – including transaction flow, success rate optimization, UPI and card payment mechanics, and acquirer integrations.
• Analytical mindset with the ability to interpret data and translate it into actionable insights.
• Hands-on experience with routing tools, rules engines, or in-house routing logic is a strong plus.
• Familiarity with UPI PSP/acquirer ecosystem and card network regulations (Visa, MasterCard, RuPay).
• Excellent communication and stakeholder management skills.

Preferred Qualifications:

• Technical background or experience working with product/engineering teams.
• Exposure to real-time monitoring tools and dashboards
• Exposure and understanding of payment system architecture

Compensation: Competitive, based on experience

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!