Product Manager — Virtual Cards at Finkraft

Bengaluru, karnataka, India -

Full Time

Start Date

Immediate

Expiry Date

25 Sep, 26

Salary

0.0

Posted On

27 Jun, 26

Experience

5 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Product Management, Card Issuance, Payment Systems, API Design, RBI PPI Compliance, PCI-DSS, System Architecture, PRD Writing, UAT, Sprint Planning, BIN Sponsorship, Settlement Cycles, Fraud Integration, Client Engagement, Technical Documentation, Travel Fintech

Industry

Financial Services

Description

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.

Responsibilities

Own the end-to-end virtual card platform including issuance, spend controls, and settlement. Drive the entire lifecycle from client research and PRD creation to technical execution and go-live within 60 days.