Product Manager

About the Role:

We are seeking an experienced and strategic ATM Product Manager to manage our payment products including Micro ATM and ATM. The ideal candidate will lead the development, enhancement and lifecycle management of ATM-based payment products and have deep domain expertise in the ATM and payments ecosystem, with a strong understanding of switching, transaction processing, card networks, security standards, and regulatory compliance. The ideal candidate should have a strong understanding of the Indian financial ecosystem, banking infrastructure, payments product and regulatory landscape.

The candidate should have experience in managing end-to-end deployment projects, working with cross-functional teams including operations, engineering, vendors, marketing, compliance and security. This role is central to driving financial inclusion by delivering secure, scalable, and user-friendly payment products for both urban and rural markets.

Key Responsibilities:

Product Strategy & Vision

• Define and execute the ATM product strategy aligned with organizational goals in the digital payments landscape.
• Identify market opportunities, customer needs, and competitive trends in assisted banking space.
• Develop innovative use cases and business models to enhance reach and revenue.

Product Development & Enhancements

• Lead end-to-end product lifecycle—from ideation and requirements gathering to launch and phase-outs.
• Work closely with engineering, design and operations teams to deliver scalable and secure solutions.
• Ensure seamless integration with vendor systems, NPCI platforms and third-party APIs.

Regulatory & Compliance

• Ensure all products adhere to NPCI guidelines, RBI mandates, PCI-DSS standards, EMV requirements and data security best practices.
• Coordinate regular audits and updates to stay compliant with changing regulatory norms.

Stakeholder Management

• Act as the primary liaison between internal stakeholders like tech, operations, compliance, finance, sales and external partners like Banks, NPCI, OEMs, card networks (Visa/MasterCard/RuPay).
• Manage vendor relationships for hardware, software, and transaction processing partners.

Performance Monitoring & Optimization

• Define KPIs and continuously track product performance—transaction volumes, success rates, uptime, customer adoption.
• Analyse user feedback and operational metrics to identify gaps and areas for improvement.

Go-to-Market & Support

• Collaborate with marketing and sales teams for product positioning, partner onboarding, and field deployment strategies.
• Train internal teams and partners on product usage, features, and benefits.

Key Skills Required:

• Bachelor’s degree in Engineering, Computer Science, Business, or related field (MBA preferred).
• 3–5 years of experience in product management within digital payments, banking, or fintech.
• Deep understanding of ATM architecture and end-to-end transaction lifecycle.
• Micro ATM hardware/software ecosystem, transaction processing, switch integration, card schemes (RuPay/Visa/Mastercard) and NPCI platforms.
• Proven experience working with large-scale transaction systems and assisted payment models.
• Strong project management, communication, problem-solving and analytical skills.
• Proficient in tools like JIRA, Confluence, Excel, SQL and dashboarding tools (e.g., Tableau, Power BI).
• Proven ability to manage conversion funnels and user engagement campaigns.
• Hands-on experience with product analytics platforms (e.g., Clevertap and Firebase).

Familiarity with product development lifecycle, agile delivery, wireframing tools, and UAT processes