Product Manager

ABOUT THE ROLE

We are looking for a Product Manager who is passionate about conceptualising and nurturing new ideas, and developing them into scalable fintech solutions. You will drive multi-skilled teams through rapid prototyping and take products from ideation to commercial launch — with a specific focus on Central Bank Digital Currency (CBDC).

This is a high-impact, cross-functional role that sits at the intersection of technology, regulation, and business — collaborating with regulators, banks, Fintechs and internal engineering, sales, and compliance teams.

AT A GLANCE

Department: Product Management

Location: Pune, India

Experience Required: 4+ years in UPI / IMPS / CBDC

Education: MBA or BE / B.Tech from Tier 1 College (can be overlooked if there is strong domain experience)

Decision-Making Authority: Yes

WHAT YOU'LL DO

Product Ownership & Strategy

• Own the complete lifecycle of CBDC products — ideation, design, development, testing, go-live, enhancements, and growth

• Build and maintain the product roadmap with short, medium, and long-term objectives

• Develop product pricing and positioning strategies

• Manage product profitability by maximising revenue from existing offerings

Execution & Delivery : -

• Collaborate with System Architects and Engineers to deliver APIs, technical flows, and system integrations (success and failure scenarios)

• Gather and document requirements — ideation docs, flow diagrams, roadmaps, API specs, BRS, and test cases

• Lead brainstorming and sprint planning sessions across cross-functional teams

• Identify and lead platform and app initiatives to improve system robustness and user experience

• Manage scoping and development of product enhancements

Stakeholder & Market Engagement : -

• Interface with external stakeholders — RBI, Banks, NPCI, FinTechs, and technology vendors

• Interact with key customers to identify product gaps and generate growth ideas

• Conduct competitive analysis and R&D for new use cases

• Spot market opportunities alongside the sales team to target banks and financial institutions

Go-to-Market & Sales Support : -

• Build and drive GTM activities in close collaboration with Sales, Marketing, and Management

• Lead pre-sales function for CBDC product line

• Consult and support Strategic Accounts on scoping and delivery for custom requirements

WHAT WE'RE LOOKING FOR

Mandatory : -

• Prior experience as a Product Manager or Business Analyst in Indian Banking & Payment systems

• Hands-on experience with Payment Switches — UPI, IMPS, and / or CBDC

• 4+ years in at least one of: UPI, IMPS, CBDC domains

Skills : -

• Solid understanding of the digital payments market and regulatory environment in India

• Experience working with cross-functional teams — Engineering, Marketing, Sales, Design

• Good grasp of Product Design, Metrics, Engineering, and Customer Support workflows

• Strong aptitude, logical reasoning, and critical thinking

• Excellent communication and presentation skills

• Proficiency with Markdown / UML and user journey documentation

• Willingness to experiment, iterate, and improve continuously

Nice to Have : -

• Familiarity with CBDC-specific pilots (retail and wholesale use cases)

• Experience evaluating promotional plans and go-to-market consistency

WHO YOU'LL WORK WITH

Internal Teams: Sales, Development, Testing, Production Support, Marketing, Compliance, Security, Management, Project Delivery

External Stakeholders: RBI, Banks, NPCI, FinTechs, Clients, Partners, Service Providers, Regulators

QUALIFICATIONS

• MBA, BE / B.Tech from a Tier 1 College

• Other degrees considered for candidates with strong, relevant payments domain experience

• 4+ years of hands-on experience in one or more of: UPI, IMPS, CBDC

WHY THIS ROLE IS EXCITING

CBDC is one of the most consequential shifts in financial infrastructure globally — and this role puts you at the centre of it. Here's what makes it unique:

• End-to-end product ownership — you will touch every stage of the product lifecycle: ideation, design, execution, growth, marketing, sales, experimentation, market research, and product discovery in new markets

• Dual-surface product work — you will manage both frontend consumer channels (mobile applications, wallets) and complex backend payment infrastructure, giving you rare full-stack product depth

• Work on the most advanced payment functionalities being built today — Offline Payments, Cross-Border CBDC, Programmable Payments, Delegated Payments, Conditional Payments, Web3 integrations, and Loyalty ecosystems

• Global scope — opportunity to explore and contribute to CBDC market expansion beyond India, working on international deployments and cross-border use cases

• Direct regulatory and ecosystem exposure — you will engage with central banks, regulators, and top-tier financial institutions, building a professional network that few product roles offer

• Opportunity to work with some of the best minds in the payments domain — Sarvatra is one of India's leading Payment Service Providers with 25+ years of experience and multiple industry firsts to its name, including IMPS, UPI, and CBDC

• Join the undisputed leader in India's CBDC space — Sarvatra was the first and only Technology Service Provider (TSP) to be part of the design phase of CBDC in India, the first to go-live, and continues to lead across multiple advanced payment functionalities. Sarvatra's CBDC stack is a multi-award winning platform, widely regarded as best-in-class in the country