Job Summary
As the Product Expert - Payment, you will own the strategy, execution, and optimization of the payment infrastructure across all digital and physical customer touchpoints. This includes enabling payment gateway integrations, ensuring regulatory compliance, enhancing customer payment experiences, and partnering with key internal stakeholders such as Revenue Management, Loyalty, and Finance.You will serve as the subject matter expert on all payment methods, protocols, regulatory frameworks, and loyalty/payment linkages in both domestic and international contexts.
Key Responsibilities
Payment Integration & Solution Delivery
- Lead the integration of payment gateways (national and international), working across acquiring banks, PSPs, aggregators, and technology teams.
- Design and implement secure, scalable payment solutions across digital channels (web, app, kiosk, IVR, POS).
- Define and manage payment workflows including transaction routing, retries, fallback, and tokenization.
Stakeholder Engagement & Cross-Functional Collaboration
- Work closely with Revenue Management, Finance, Loyalty, IT, and Commercial teams to align payment strategies with business objectives.
- Partner with loyalty programs to integrate payment-linked benefits, earn & burn mechanisms, co-branded instruments, and customer wallet experiences.
Payment Compliance & Governance
- Ensure adherence to RBI guidelines, PCI-DSS standards, and other applicable regulatory requirements.
- Stay updated on global compliance protocols including PSD2, 3DS2, and anti-fraud frameworks.
- Coordinate with legal and compliance teams to review payment partner agreements and frameworks.
Customer Experience & Optimization
- Optimize checkout experience to maximize conversion and reduce drop-off due to payment issues.
- Analyze payment data to track success rates, fraud trends, and customer behavior.
- Implement real-time payment status visibility, refund SLAs, and dispute resolution mechanisms.
Channels & Technology Enablement
- Ensure consistent and secure payment processing across web, mobile app, kiosk, IVR, and chatbot channels.
- Understand APIs, SDKs, encryption standards, and how various communication protocols interact with payment systems.
- Collaborate with architects and developers to ensure technically sound implementations with minimal latency.
Required Qualifications
- Bachelor’s or Master’s in Engineering, Information Systems, Finance, or a related field.
- 7 to 12 years of experience in digital payments, fintech, or payment integration roles.
- Proven track record in integrating and managing payment gateways like Razorpay, PayU, Adyen, Worldpay, Stripe, Citrus, etc.
- Experience with cross-border transactions, multi-currency handling, and FX conversions.
- Hands-on exposure to API integrations, SDKs, and system-to-system communication for payments.
Preferred Skills & Industry Exposure
- Familiarity with payment-related government regulations: RBI circulars, data localization, e-mandates, recurring billing, UPI rules, etc.
- Experience in aviation, travel, or e-commerce industry is highly preferred.
- Understanding of airline systems including PNR systems, DCS, GDS, and Revenue Management.
- Knowledge of fraud detection systems, risk scoring, and real-time monitoring dashboards.
- Experience working on payment loyalty linkage, dynamic pricing, co-branded credit card partnerships, and prepaid instruments.
Soft Skills & Behavioral Traits
- Strong analytical and problem-solving skills with a structured approach.
- Excellent communication and negotiation skills to work with internal teams and external partners.
- Ownership mindset with the ability to drive cross-functional initiatives.
- Deep customer orientation and passion for creating seamless payment journeys.
