The Role
Lead product strategy and roadmap for AI-powered UPI experiences. Build autonomous AI agents for payments, dispute resolution, customer assistance, fraud detection, and personalized recommendations. Collaborate with engineering, data science, design, and risk teams. Leverage LLMs, agentic AI, and workflow automation; run experiments, A/B tests, and analytics. Ensure NPCI compliance, privacy, and responsible AI practices.
Summary Generated by Built In
About Paytm:
Paytm is India's leading mobile payments and financial services distribution company. Pioneer of the mobile QR payments revolution in India, Paytm builds technologies that help small businesses with payments and commerce. Paytm’s mission is to serve half a billion Indians and bring them to the mainstream economy with the help of technology
About the Role
We're looking for a Product Management to own and scale our UPI product charter — one of the largest and most consequential product surfaces in Indian fintech.
This is a role for someone who is equal parts strategic operator and hands-on builder — someone who can set a multi-year vision for UPI and translate it into a roadmap that ships. We want someone who thinks in systems and platforms, is deeply fluent in consumer behavior and data, and is genuinely excited about applying modern AI — agents, LLMs, personalization, and automation — to solve payment problems at massive scale.
You'll own outcomes across the full UPI stack: P2P and P2M payments, onboarding, mandates/AutoPay, payment success rates, fraud & risk experience, and next-gen AI-powered payment journeys — while partnering closely with Engineering, Data Science, Design, Risk, Compliance, NPCI/bank partnerships, and Business teams.
Key Responsibilities
-->Define the vision and multi-year strategy for Paytm's UPI product suite, and translate it into a roadmap that balances scale, reliability, growth, and innovation.
-->Drive core UPI metrics — transaction success rate, activation, retention, P2P/P2M growth, and market share — with full ownership of the P&L levers that matter.
-->Champion an AI-first product culture: identify where Generative AI, ML-based risk models, conversational interfaces, and intelligent automation can simplify journeys, improve payment success, reduce fraud, and cut operational load.
-->Be the voice of the customer — using consumer research, funnel analytics, and cohort data to challenge assumptions and prioritize ruthlessly.
-->Own stakeholder and partner management across NPCI, banking partners, regulators, and internal risk/compliance/legal teams, ensuring UPI products are both delightful and fully compliant.
-->Drive quarterly and annual planning cadences, set measurable OKRs, and stay accountable to outcomes, not output.
-->Represent Paytm externally as a thought leader on UPI and digital payments innovation in India.
Superpowers/ Skills that will help you succeed in this role: ·
-->Experience in product management, ideally in consumer fintech, payments, or high-scale consumer internet products.
Proven experience owning large, consumer-facing products at scale (tens of millions of users/transactions) — UPI, wallets, payments, or adjacent fintech products strongly preferred.
-->Strong product analyst instincts — comfortable going deep into funnels, cohorts, SQL/data tools, and experimentation frameworks to form and test hypotheses, not just review dashboards.
-->Demonstrated ability to apply AI/ML to real product problems — whether that's personalization, fraud detection, conversational/agentic interfaces, or workflow automation. You don't need to write the models, but you need to know what's possible and know how to get it built.
-->A track record of building 0→1 products and scaling 1→100 platforms, with comfort operating in ambiguity and translating messy problems into crisp specs and roadmaps.
-->Excellent stakeholder management and communication skills — you can influence engineering leaders, regulators, and executives with equal clarity.
-->Strong understanding of the UPI ecosystem — NPCI guidelines, bank partnerships, payment rails, and the competitive landscape (PhonePe, Google Pay, and emerging players).
-->MBA or equivalent from a top-tier institute preferred, but not a substitute for demonstrated product judgment and results.
Why join us:
A collaborative output driven program that brings cohesiveness across businesses through technology Improve the average revenue per use by increasing the cross-sell opportunities A solid 360 feedback from your peer teams on your support of their goals. Respect, that is earned, not demanded from your peers and manager
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!
Skills Required
- 3-8 years of Product Management experience in FinTech, Payments, or AI products.
- Understanding of UPI, digital payments, and banking ecosystems.
- Experience with Generative AI, LLMs, Agentic AI frameworks, and AI product development.
- Strong analytical skills with SQL and product analytics tools.
- Excellent stakeholder management and execution capabilities.
- Knowledge of NPCI guidelines, privacy, and responsible AI practices/compliance.
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The Company
What We Do
Paytm started the Digital Revolution in India. And we went on to become India’s leading Payments App. Today, more than 20 Million merchants & businesses are powered by Paytm to Accept Payments digitally. This is because more than 300 million Indians use Paytm to Pay at their stores. And that’s not all, Paytm App is used to Pay bills, do Recharges, Send money to friends & family, Book movies & travel tickets. With innovations to Financial services & products in pipeline, this is but one of the milestones achieved towards our mission – to bring 500 million unserved and underserved Indians to the mainstream economy.
