ABOUT THE ROLE
We are looking for a Product Manager who operates as an individual contributor — someone who owns output, not just process. You will talk directly to clients, TMCs, and OTAs; understand issuing bank APIs and payment networks; navigate RBI and PCI-DSS compliance; and ship a live virtual card implementation end-to-end within 60 days.
Experience
4–8 years in fintech product management
Domain
Card issuance, payment systems, travel fintech
Working Style
IC — self-directed, owns research and delivery
Location
India (RBI/PPI compliance context required
KEY RESPONSIBILITIES
Own end-to-end virtual card platform: issuance, spend controls, reconciliation, and settlement
Talk directly to clients, TMCs, and OTAs (TBO, Yatra) to understand current workflows and pain points
Understand and document issuing bank APIs — card creation, MCC controls, velocity limits, webhooks
Navigate Mastercard/Visa network rules, BIN sponsorship models, chargeback and settlement cycles
Study RBI PPI guidelines, PCI-DSS requirements, and global payment regulations relevant to travel card use cases
Analyse how existing OTA/TMC integrations issue virtual cards and produce a detailed replacement strategy document
Write the PRD and system architecture for Finkraft's virtual card platform covering API design, ledgering, and fraud integration
Select 2–3 pilot clients, define implementation scope, and drive sprint execution with the tech team
Personally run UAT with clients and own the go-live checklist
Requirements
REQUIRED EXPERIENCE & SKILLS
4–8 years in fintech PM, specifically in card or payment systems
Strong understanding of card networks, BIN sponsorship, authorization flows, and settlement cycles
Hands-on experience reading and working with issuing bank and payment gateway APIs
Familiarity with RBI PPI master directions, PCI-DSS, KYC/AML frameworks
Ability to produce detailed technical documents independently — PRD, system architecture, integration specs
Experience coordinating with engineering teams on sprint planning and delivery
Prior exposure to travel fintech (OTAs, TMCs, expense management) is a strong plus
WHAT MAKES THIS ROLE DIFFERENT
This is not a coordination role. You will be the primary driver of research, documentation, client engagement, and execution. Within 60 days, you will have produced a complete PRD and architecture document, and will have at least one client live on Finkraft's virtual card platform.
Skills Required
- 4-8 years in fintech product management, specifically in card or payment systems
- Strong understanding of card networks, BIN sponsorship, authorization flows, and settlement cycles
- Hands-on experience reading and working with issuing bank and payment gateway APIs
- Familiarity with RBI PPI master directions, PCI-DSS, and KYC/AML frameworks
- Ability to produce detailed technical documents independently (PRD, system architecture, integration specs)
- Experience coordinating with engineering teams on sprint planning and delivery
- Self-directed individual contributor who owns research, client engagement, and delivery
- Ability to ship a live virtual card implementation end-to-end within 60 days
- Prior exposure to travel fintech (OTAs, TMCs, expense management)
What We Do
We are called FinKraft. What do we do? FinKraft - Krafting reliable automated solutions to make complex business processes easier. How do we do it? The process of gathering information, collecting data from various sources and reconciling records is a very painstaking and complex process. With FinKraft, companies need not worry about any of it. We have built a robust automated SaaS platform to help our clients with these processes and eliminate human error. One of the first use cases we have mastered is GST credit on travel expense for corporate India. “Capgemini” saves one million dollars annually using our tool. This marked the beginning of our continuous innovation. We aim to make a difference across industries. A few of our other clients include: Consulting- Mckinsey, Boston Consulting Pharma- Abbott, Sun Pharma Retail- Ikea, Godrej, Benetton Government- WHO, World Bank, US Embassy Banking- American Express, Kotak Industrial- Emerson, Schneider Others- WPP Group, Hershey’s, Tata’s Our Robotic Process Automation (RPA) system makes the process of the extraction of information from emails, websites and other portals more convenient than ever before. Post extraction, our system will also help you read and extract data, reconcile and create actionable real-time dashboards. Strong archiving with an excellent document management system for quick and easy retrieval. Inconsistency and errors in the data are highlighted by our portal to help clients take appropriate measures at the right time. This saves time, money, and enables companies to get error-free reports in just a click!
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