Job
Description
Head of Credit Payments Business Designation: Senior Vice President Location: Chennai Experience: 15+ Years Who Are We? M2P Fintech is a leading Banking Technology Platform, shaping the future of digital finance. Established in 2014 and headquartered in Chennai, we have a strong footprint across 30+ countries in the Asia-Pacific, the Middle East and Africa (MEA), and Oceania. At the forefront of next-gen fintech, we drive innovation in banking, lending, and payments infrastructure. Powering global fintech transactions, our comprehensive technology stack enables seamless banking solutions, lending platforms, Buy Now Pay Later (BNPL) services, customized credit cards, prepaid cards, and more. About The Role M2P is a leader in next-gen credit payment capabilities, powering over two dozen issuers across credit cards, credit lines linked to real-time payment products like UPI, secured credit cards, and corporate card programs. We’re looking for an experienced and visionary Product Leader to head our Global Credit Cards and Credit Line business and shape its future in a fast-paced fintech environment. In this role, you will be responsible for managing the entire credit line portfolio, from strategy to execution, with a focus on innovation, customer experience, and business performance. Thisis a high-impact leadership position that requires deep domain expertise indigital payments and credit lifecycle management, combined with strong business acumen. Key Responsibilities 1. Product Vision & Strategy Define and drive the strategy and roadmap for credit cards and credit lines, aligned with the company’s business goals. Lead key initiatives such as real-time underwriting, co-branded partnerships, dynamic credit lines, embedded payments, UPI/real-time payment integrations, BNPL capabilities, etc. Translate emerging market trends and customer insights into innovative product features. 2. P&L Ownership Take ownership of the P&L for the Credit Payments business, driving revenue growth, margin expansion, and cost optimization. Develop sustainable pricing models and refine monetization strategies for long-term value. Collaborate with the Finance team to enable accurate forecasting, reporting, and strategic business planning. 3. Product Development & Execution Partner cross-functionally with Engineering, Design, Risk, Marketing, Sales, and Customer Support to prioritize and deliver high-impact features. Oversee the end-to-end product lifecycle, from ideation and development to launch and post-launch optimization. 4. Customer Experience & Innovation Champion customer-centric design and ensure seamless digital experiences across all card product touchpoints. Leverage data, user feedback, and market insights to enhance product offerings and minimize customer friction. 5. Strategic Partnerships Develop and nurture partnerships with Fintechs,issuers, networks, and technology providers to expand ecosystem value. Lead commercial negotiations, SLA structuring, and go-to-market planning in collaboration with Legal, Compliance, and Finance teams. 6. Team Leadership Build and lead a high-performing team of product managers, providing mentorship and driving a culture of excellence. Encourage ownership, continuous learning, and strong collaboration across product and engineering teams. 7. Market Research & Competitive Intelligence Keep tabs on industry trends, regulatory shifts, consumer behavior, and competitor activity to stay ahead of the curve. Conduct regular benchmarking to uncover whitespace opportunities and shape innovative offerings. 8. Metrics & Performance Management Define and track key KPIs to measure product performance, customer adoption, and business impact. Use data-driven insights to optimize, evolve, and scale the product portfolio. 9. Risk & Compliance Oversight Proactively identify and mitigate product and operational risks across the lifecycle. Ensure full compliance with regulatory, legal, and governance standards across all card programs. 10. Executive & Stakeholder Communication Present product strategy, roadmaps, and performance updates to internal leadership and external stakeholders. Align cross-functional teams and decision-makers through compelling storytelling and data-backed insights. What You'll Need to be Successful in this Role 15+ years of Product Management experience, with a strong focus on credit card business and digital payments in fintech or financial services. Proven track record of building and scaling 0-to-1 and 1-to-N credit products. Subject matter expertise in cards systems, credit lifecycle management, and issuer technology stacks. Deep understanding of card issuing digital onboarding, risk-based pricing, rewards ecosystems, and embedded finance use cases. Strong commercial mindset with experience managing P&Ls and influencing business outcomes. Demonstrated ability to work cross-functionally and influence without authority. Entrepreneurial, data-driven, and comfortable navigating fast-paced, high-growth environments. Exceptional organizational and leadership skills with a sharp attention to detail. Perks and Benefits Inclusive and People-First Culture. Health & Wellness Programs. Comprehensive Medical Insurance. Recognition Programs. Performance-based ESOPs. Learning Opportunities. Show more Show less
