Lead Product Management Acceptance

The role will drive Ru. Pay Acceptance, Affordability on UPI, Merchant Growth, AI-led Payments Innovation, Ecosystem Expansion, and Product Delivery across domestic and international payment acceptance ecosystems.

Key Responsibilities

Product Innovation & Delivery Build a comprehensive Ru. Pay acceptance strategy for domestic and international POS/E-com. Define segment-specific playbooks for micro-merchants, MSMEs, organized retail, travel, hospitality, and cross-border clusters. Collaborate with acquirers and PAs to streamline merchant onboarding, pricing, and settlement flows.

Affordability on UPI Drive merchant acceptance of credit on UPI, including Ru. Pay Credit Card on UPI and Credit Line on UPI, across QR, intent, and collect flows. Build and scale EMI and installment constructs at checkout, working with issuers, PAs, and merchants on offer design, funding models, and seamless customer journeys.

Expand affordability acceptance into high-ticket and aspirational categories such as electronics, travel, education, healthcare, and home improvement. Work with TPAPs, banks, and internal teams to remove friction in credit-on-UPI discovery, eligibility, and checkout experience. AI-led Acceptance & Growth Apply AI/ML models for merchant segmentation and targeting, identifying high-potential merchants and categories for acceptance and affordability expansion.

Use AI-driven insights to predict and reduce transaction declines, improve approval rates, and optimise routing. Partner with risk and technology teams on AI-based fraud and risk management for credit on UPI and card acceptance. Explore AI-native payment experiences, including conversational and agentic commerce use cases, and define how Ru.

Pay and credit on UPI are accepted in these new journeys. Build AI-powered personalisation for merchant offers and affordability propositions at scale. Ecosystem & Stakeholder Management Build strong relationships with banks, PAs, POS OEMs, gateways, TPAPs, and international partners to accelerate adoption. Desired Candidate Profile Experience 4+ years of experience in payments, cards, UPI, fintech or merchant acquiring.

Strong expertise in settlement and payment journeys. Experience in Credit Card on UPI, Credit Line on UPI, EMI and affordability solutions. Strong product strategy and execution skills, from proposition design to launch and scale. Proven experience managing banks, PAs, TPAPs, merchants, gateways and other ecosystem partners.

Strong data and analytical orientation, with understanding of TPV, approval rates, declines, conversion and merchant activation. Exposure to international acceptance/cross-border payments and AI-led payment solutions is preferred. AI Experience Required Experience leveraging AI/ML models for merchant segmentation, acceptance growth, transaction optimization, approval-rate improvement, fraud detection, risk management and merchant personalization.

Exposure to AI-led payment solutions, conversational commerce, agentic commerce and AI-powered customer payment journeys is highly preferred. Key Performance Indicators (KPIs) Merchant Acceptance Growth Domestic POS/E-com activation and retention. Expand acceptance across micro-merchants, MSMEs, organized retail, travel, hospitality, and other strategic segments.

Affordability on UPI Merchant acceptance and TPV growth for Credit Card on UPI, Credit Line on UPI, and EMI transactions. Drive adoption across high-value categories such as electronics, education, healthcare, travel, and home improvement. Usage & Revenue TPV growth across domestic and international acceptance. Deliver sustained growth in transaction count and merchant-acquiring revenue.

AI Impact Measurable uplift in approval rates, decline reduction, and merchant targeting efficiency from AI-led initiatives. Improve merchant acquisition and targeting through AI/ML-driven segmentation. Drive adoption of AI-powered payment and commerce experiences. Coverage BIN enablement and compliance certifications.

Increase BIN enablement across acquiring partners and acceptance infrastructure. Ensure timely completion of certifications, compliance requirements, and ecosystem readiness for new products and payment capabilities. Quality Metrics Approval rates and dispute SLA adherence. Improve transaction success and customer experience through higher approval rates.

Maintain dispute resolution and chargeback management within defined SLA timelines. Ensure seamless onboarding, settlement, and merchant servicing processes. Success Metrics Merchant Activation & Retention Ru. Pay Acceptance Growth Credit on UPI TPV Growth EMI Transaction Growth Domestic & Cross-Border TPV Approval Rate Improvement Transaction Decline Reduction AI-Driven Merchant Conversion BIN Enablement Coverage Dispute SLA Compliance Partner Ecosystem Expansion (Banks, PAs, TPAPs, Gateways, POS OEMs)