PayMate - Product Manager

Job Role: Product Manager

Location: Noida / Bengaluru

Experience: 4–5 Years

Employment Type: Full-time

Industry: FinTech / Payments

About the Role

We are looking for an experienced Product Manager to join our team and drive the development and growth of our fintech and payment products.

The ideal candidate should have 4–5 years of overall Product Management experience, including a minimum of 3 years of experience in the FinTech industry. Hands-on experience in Subscription Management and Global Payments is mandatory.

The candidate will work closely with Engineering, Business, Operations, Compliance, and other cross-functional teams to define product strategy, manage the product roadmap, and deliver scalable and customer-focused payment solutions.

Key Responsibilities

• Own the end-to-end product lifecycle, from discovery and ideation to development, launch, and continuous optimization.
• Define product vision, strategy, roadmap, and priorities aligned with business objectives.
• Drive products and features related to Global Payments and Subscription Management.
• Gather customer, merchant, and business requirements and translate them into actionable product requirements.
• Prepare and maintain PRDs, user stories, product specifications, and acceptance criteria.
• Collaborate with Engineering, Design, Business, Operations, and Compliance teams to deliver products effectively.
• Manage and prioritize the product backlog based on customer needs, business impact, feasibility, and strategic priorities.
• Analyze product and transaction data to identify opportunities, bottlenecks, and areas for improvement.
• Define and monitor key product metrics and KPIs.
• Conduct market and competitor research to identify trends and opportunities in the global payments and fintech ecosystem.
• Drive improvements across payment journeys, subscription lifecycle, recurring billing, renewals, cancellations, refunds, settlements, and related workflows.
• Collect customer and stakeholder feedback and convert insights into product enhancements.
• Coordinate product launches and ensure effective communication across relevant teams.
• Ensure products are scalable, secure, reliable, and aligned with applicable regulatory and compliance requirements.

Mandatory Requirements

• 4–5 years of total Product Management experience.
• Minimum 3 years of Product Management experience in the FinTech industry.
• Hands-on experience in Subscription Management / Recurring Billing.
• Hands-on experience in Global Payments / Cross-Border Payments.
• Strong understanding of payment processing and fintech product ecosystems.
• Experience working closely with Engineering and other cross-functional teams.
• Strong product discovery, roadmap planning, prioritization, and execution skills.
• Excellent analytical, communication, and stakeholder-management skills.

Good to Have

• Experience with Merchant of Record (MoR) platforms.
• Experience with payment gateways, payment orchestration, checkout, or payment APIs.
• Exposure to international settlements, refunds, chargebacks, and reconciliation.
• Understanding of payment compliance and regulatory requirements.
• Experience working with B2B SaaS or API-based products.
• Familiarity with Agile/Scrum methodologies.

Key Competencies

• Product Strategy & Roadmap
• FinTech & Payment Products
• Global Payments
• Subscription Management
• Product Analytics
• Customer-Centric Product Development
• Stakeholder Management
• Agile Product Development
• Problem Solving & Decision Making

Job Description

This is a remote position.

Our Core Value

• Client Success: Our clients’ success is our success
• Extreme Ownership: We own our work and its outcomes fully
• Proactive Collaboration: Teamwork elevates us all 
• Quality with Pragmatism: We aim for excellence with a focus on practical solutions
• Effective Feedback: Honest, constructive feedback fosters improvement
• Proactive Collaboration: Teamwork elevates us all

Experience Level

​We're looking for a seasoned Product Manager with at least 4 years of experience building user-centric products. You should be a "product craftsperson" who can demonstrate a history of driving tangible, impactful results

Role Overview 

As a Product Manager, you will be responsible for the entire product lifecycle, from initial concept to launch and beyond. You'll act as the central hub, working with stakeholders and clients to define product roadmaps and success metrics.

A key part of your role will be to deeply understand customer and business needs and translate them into clear, actionable requirements for the development team. You will own the product backlog, analyze performance data to identify opportunities, and partner closely with design and engineering to ensure successful execution

Key Responsibilities

• Product Strategy & Execution: You will define and document product requirements, create and maintain a prioritized backlog, and ensure business needs are met throughout the design, development, and delivery phases.
• Data-Driven Decision Making: You will use your strong analytical and problem-solving skills to gather, analyze, and interpret data to prove or disprove hypotheses and guide product evolution. Expertise in Excel and SQL is essential for this.
• Stakeholder & Client Management: You will communicate with internal and external teams, including clients, to manage expectations, present product status, and gather feedback. Strong consultative, listening, and presentation skills are crucial.
• Cross-Functional Collaboration: You will coordinate with various teams—including design, engineering, sales, and support—to build, manage, and evolve the product. A solid understanding of software engineering concepts will help you drive product strategy effectively

Requirements

What We're Looking For

• Product Mindset: You'll be a central figure, coordinating with various teams to build and support the product
• Agile Experience: You must have experience working within Agile and Extreme Programming methodologies in a continuous deployment environment
• Technical Acumen: You should have a solid understanding of software engineering concepts to help drive product strategy
• Exceptional Communication: You should have strong consultative, listening, and presentation skills to effectively communicate with clients and stakeholders
• Analytical and Problem-Solving Skills: We need someone with a strong ability to understand complex business environments and to dive into data using Excel and SQL to derive meaningful insights.
• Attention to Detail: You will need to create clear and precise product documentation and assist in the sales and pre-sales process

Benefits

What We Offer 

• Dedicated Learning & Development Budget: Fuel your growth with a budget dedicated solely to learning.  
• Conference Talks Sponsorship: Amplify your voice! If you’re speaking at a conference, we’ll fully sponsor and support your talk. 
• Cutting-Edge Projects: Work on exciting projects with the latest AI technologies   
• Employee-Friendly Leave Policy: Recharge with ample leave options designed for a healthy work-life balance. 
• Comprehensive Medical & Term Insurance: Full coverage for you and your family’s peace of mind. 
• And More: Extra perks to support your well-being and professional growth. 

Work Environment 

• Remote-First Culture: At Incubyte, we thrive on a culture of structured flexibility — while you have control over where and how you work, everyone commits to a consistent rhythm that supports their team during core working hours for smooth collaboration and timely project delivery. By striking the perfect balance between freedom and responsibility, we enable ourselves to deliver high-quality standards our customers recognize us by. With asynchronous tools and push for active participation, we foster a vibrant, hands-on environment where each team member’s engagement and contributions drive impactful results. 
• Work-In-Person: Twice a year, we come together for two-week sprints to collaborate in person, foster stronger team bonds, and align on goals. Additionally, we host an annual retreat to recharge and connect as a team. All travel expenses are covered. 
• Proactive Collaboration: Collaboration is central to our work. Through daily pair programming sessions, we focus on mentorship, continuous learning, and shared problem-solving. This hands-on approach keeps us innovative and aligned as a team. 

Incubyte is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.

We are looking for a driven and analytical Product Manager to lead the planning, development, and continuous improvement of our digital products. The candidate will work closely with engineering, design, marketing, sales, and business teams to translate customer and business needs into successful product solutions.

Key Responsibilities

• Define and communicate the product vision, strategy, and roadmap.
• Gather and analyze customer, market, and business requirements.
• Translate requirements into clear product specifications, user stories, and acceptance criteria.
• Prioritize features and maintain the product backlog.
• Work closely with developers, designers, QA, and other stakeholders throughout the product development lifecycle.
• Conduct market and competitor research to identify opportunities.
• Coordinate product launches and feature releases.
• Track product performance using relevant KPIs and analytics.
• Collect and analyze customer feedback to improve the product.
• Identify usability issues and recommend product enhancements.
• Participate in Agile/Scrum activities, including sprint planning and reviews.
• Ensure product initiatives align with overall business objectives.

Location : Remote (India)

Roles & Responsibilities

Product Strategy & Discovery

• Identify customer, business, and market opportunities through stakeholder engagement, customer research, discovery workshops, and data analysis.
• Define product vision, roadmap, value proposition, success metrics, and prioritization aligned with business objectives.
• Translate business and customer needs into product requirements, user stories, PRDs, and acceptance criteria.
• Own and continuously prioritize the product backlog based on business value, feasibility, dependencies, risks, and strategic priorities.

AI & Digital Innovation

• Identify and evaluate opportunities to leverage Generative AI, automation, and emerging technologies across products and business processes.
• Define AI-focused use cases, business cases, success metrics, user journeys, and MVP/PoC strategies.
• Collaborate with AI/ML, data, architecture, and engineering teams to convert AI opportunities into scalable product solutions.
• Drive adoption of AI across the product lifecycle and SDLC, including discovery, requirements management, development, testing, analytics, documentation, and support.
• Contribute to enterprise-wide AI initiatives and help scale successful AI PoCs into production-ready solutions.

Presales, Consulting & Solutioning

• Lead or contribute to RFP responses, proposals, client discovery sessions, workshops, and solution presentations.
• Understand client challenges and translate them into digital transformation, modernization, and AI-driven product opportunities.
• Develop solution concepts, use cases, product capabilities, roadmaps, value propositions, and implementation strategies.
• Partner with engineering, UX, architecture, delivery, and commercial teams to define scope, estimates, assumptions, dependencies, risks, and solution feasibility.
• Support client engagements and identify opportunities for account growth through product enhancements, modernization initiatives, and AI adoption.

Product Delivery & Governance

• Partner with UX, engineering, QA, architecture, and delivery teams to ensure successful product execution and delivery.
• Facilitate sprint planning, backlog refinement, UAT/SIT activities, release planning, production validation, and defect prioritization.
• Monitor product KPIs, delivery metrics, adoption, business outcomes, risks, and dependencies.
• Drive stakeholder alignment and continuous improvement throughout the product lifecycle.
• Mentor and guide Product Managers and product team members to strengthen product thinking, decision-making, stakeholder management, and delivery excellence.

Customer & Business Outcomes

• Leverage customer feedback, product analytics, experimentation, and market insights to drive continuous product improvement.
• Lead adoption and successful rollout of new capabilities through effective stakeholder engagement, communication, and change management.
• Ensure products and solutions deliver measurable customer, business, and operational outcomes.

Core Competencies

• Product strategy, discovery, roadmap planning, prioritization, and backlog management.
• Generative AI, AI product thinking, AI use-case identification, and digital innovation.
• Presales, consulting, solutioning, RFP response management, and client engagement.
• Strong business acumen with the ability to connect technology initiatives to business outcomes.
• Excellent communication, presentation, facilitation, and stakeholder management skills.
• Strong understanding of Agile/Scrum methodologies and end-to-end product delivery.
• Ability to collaborate effectively with engineering, architecture, UX, QA, data, and AI/ML teams.
• Strong analytical, problem-solving, and decision-making capabilities.
• Ability to manage ambiguity, multiple workstreams, and senior client stakeholders.

Qualifications

• B.E./B.Tech in Computer Science, Information Technology, Engineering, or an equivalent discipline.
• MBA or certifications in Product Management, Business Analysis, or related fields preferred.
• 10+ years of experience in Product Management, Product Ownership, or Business Analysis.
• Experience working in Agile/Scrum environments with cross-functional technology teams.
• CSPO, PSPO, CBAP, or CCBA certifications are desirable.

Roles & Responsibilities

Product Strategy & Discovery

• Identify customer, business, and market opportunities through stakeholder engagement, customer research, discovery workshops, and data analysis.
• Define product vision, roadmap, value proposition, success metrics, and prioritization aligned with business objectives.
• Translate business and customer needs into product requirements, user stories, PRDs, and acceptance criteria.
• Own and continuously prioritize the product backlog based on business value, feasibility, dependencies, risks, and strategic priorities.

AI & Digital Innovation

• Identify and evaluate opportunities to leverage Generative AI, automation, and emerging technologies across products and business processes.
• Define AI-focused use cases, business cases, success metrics, user journeys, and MVP/PoC strategies.
• Collaborate with AI/ML, data, architecture, and engineering teams to convert AI opportunities into scalable product solutions.
• Drive adoption of AI across the product lifecycle and SDLC, including discovery, requirements management, development, testing, analytics, documentation, and support.
• Contribute to enterprise-wide AI initiatives and help scale successful AI PoCs into production-ready solutions.

Presales, Consulting & Solutioning

• Lead or contribute to RFP responses, proposals, client discovery sessions, workshops, and solution presentations.
• Understand client challenges and translate them into digital transformation, modernization, and AI-driven product opportunities.
• Develop solution concepts, use cases, product capabilities, roadmaps, value propositions, and implementation strategies.
• Partner with engineering, UX, architecture, delivery, and commercial teams to define scope, estimates, assumptions, dependencies, risks, and solution feasibility.
• Support client engagements and identify opportunities for account growth through product enhancements, modernization initiatives, and AI adoption.

Product Delivery & Governance

• Partner with UX, engineering, QA, architecture, and delivery teams to ensure successful product execution and delivery.
• Facilitate sprint planning, backlog refinement, UAT/SIT activities, release planning, production validation, and defect prioritization.
• Monitor product KPIs, delivery metrics, adoption, business outcomes, risks, and dependencies.
• Drive stakeholder alignment and continuous improvement throughout the product lifecycle.
• Mentor and guide Product Managers and product team members to strengthen product thinking, decision-making, stakeholder management, and delivery excellence.

Customer & Business Outcomes

• Leverage customer feedback, product analytics, experimentation, and market insights to drive continuous product improvement.
• Lead adoption and successful rollout of new capabilities through effective stakeholder engagement, communication, and change management.
• Ensure products and solutions deliver measurable customer, business, and operational outcomes.

Core Competencies

• Product strategy, discovery, roadmap planning, prioritization, and backlog management.
• Generative AI, AI product thinking, AI use-case identification, and digital innovation.
• Presales, consulting, solutioning, RFP response management, and client engagement.
• Strong business acumen with the ability to connect technology initiatives to business outcomes.
• Excellent communication, presentation, facilitation, and stakeholder management skills.
• Strong understanding of Agile/Scrum methodologies and end-to-end product delivery.
• Ability to collaborate effectively with engineering, architecture, UX, QA, data, and AI/ML teams.
• Strong analytical, problem-solving, and decision-making capabilities.
• Ability to manage ambiguity, multiple workstreams, and senior client stakeholders.

Qualifications

• B.E./B.Tech in Computer Science, Information Technology, Engineering, or an equivalent discipline.
• MBA or certifications in Product Management, Business Analysis, or related fields preferred.
• 10+ years of experience in Product Management, Product Ownership, or Business Analysis.
• Experience working in Agile/Scrum environments with cross-functional technology teams.
• CSPO, PSPO, CBAP, or CCBA certifications are desirable.

Location - India (Remote)

Role Overview

We are looking for a driven and analytical Product Manager to own end-to-end product initiatives across our fintech ecosystem. You will work closely with Engineering, Growth, Risk, and Operations teams to build scalable, customer-centric solutions that drive measurable business impact.

Key Responsibilities

• Own the product lifecycle from problem discovery → PRD → launch → iteration
• Write clear and structured PRDs, user stories, and acceptance criteria
• Collaborate cross-functionally with Engineering, Design, Growth, Risk, and Business teams
• Define product roadmaps and prioritize based on impact and feasibility
• Analyze product performance, funnels, and user behavior using data
• Drive experimentation, A/B testing, and continuous optimization
• Translate business goals into scalable product solutions

Required Skills & Qualifications

• 3–7 years of Product Management experience (preferably in fintech/startup environments)
• Strong analytical skills with hands-on experience in SQL and Excel/Google Sheets
• Experience working in Agile environments with engineering teams
• Ability to think structurally and solve complex product problems
• Strong stakeholder management and communication skills
• Working understanding of APIs, integrations, and system workflows
• Comfort using AI tools to enhance productivity, documentation, research, and product discovery
• Basic understanding of prompt structuring to improve research, analysis, and workflow efficiency

Junior Product Manager

Location: Mumbai (Looking for Mumbai-based candidates)

Responsibilities:

• Act as the bridge between business users and the development team to define and develop product features aligned with business requirements.
• Coordinate closely with internal engineering teams and client product teams.
• Create and manage release plans for product updates and new releases.
• Draft detailed Product Requirement Documents (PRDs) for internal use.
• Communicate client requirements effectively to the engineering team.
• Understand technical architecture and system workflows.
• Interpret product flows conveyed by the client and ensure accurate relay to the engineering team.
• Ensure changes implemented by the internal team are correct and aligned with requirements; suggest improvements where necessary.
• Take full product ownership and act as the single point of contact for all internal and external stakeholders.

Required Skills:

• Strong understanding of Financial Markets and Derivatives Markets.
• Proficiency in Figma and JIRA.
• Proven experience in drafting PRDs.
• Excellent communication and coordination skills.
• High attention to detail.
• Candidates from the FinTech domain preferred — must possess strong market knowledge and familiarity with financial products, trading systems, and market operations.

Product Manager / Associate Product Manager

Turn messy real-world problems into simple products.

AbleCredit builds software for complex enterprise workflows where AI, APIs, business rules, human decisions, and real-world operations have to work together reliably. We care about building products that work in production - not just in demos. Our customers don't arrive with clean product requirements. They have operational problems involving people, policies, existing systems, edge cases, and workflows built over years. Product at AbleCredit means understanding that complexity deeply and turning it into reusable, simple product capabilities.

What You'll Own?

• Spend time with customers and internal teams to understand workflows, constraints, and the real problem behind requests.

• Translate ambiguous operational problems into clear product requirements, user journeys, and measurable outcomes.

• Work closely with engineering and design from discovery through rollout rather than handing off specifications.

• Prioritize based on customer impact, product strategy, effort, risk, and reuse across customers.

• Define success metrics and evaluate whether shipped products actually improve the workflow.

• Own launches, feedback loops, adoption, and iteration after release.

• Identify patterns across customer requests and turn them into reusable platform capabilities instead of one-off customizations.

• Maintain clarity on what we are building, why we are building it, and what we deliberately are not building.

What We're Looking For?

• 1-5 years of product, engineering, analytics, consulting, operations, or adjacent experience; level will be calibrated to experience.

• Strong problem decomposition and structured thinking.

• Ability to understand technical systems, APIs, data flows, and constraints well enough to work deeply with engineers.

• Excellent written and verbal communication.

• Comfort speaking with customers and asking detailed questions until the underlying workflow is understood.

• Bias toward evidence, prototypes, and shipped outcomes rather than process for its own sake.

• Ability to operate with ambiguity and make sensible trade-offs.

Nice to Have

• Experience with B2B SaaS, enterprise software, workflow products, fintech, or AI-assisted products.

• Technical background or prior engineering experience.

• Experience working with APIs, integrations, analytics, or operational products.

• Experience taking a product from discovery through adoption.

How Product Works Here?

Product managers are expected to understand the problem deeply, not act as ticket routers. The best solution may be a new feature, a platform primitive, a workflow change, an API, or deciding not to build something. Success is measured by customer and product outcomes, not PRD volume.