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.
