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About the role
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 48 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 23 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 - 48 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 solid 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. 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 48 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 23 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 - 48 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 solid 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.
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