Key Responsibilities:
Product Strategy & Road mapping:
- Define and execute the roadmap for UPI B2C product experiences (send money, scan & pay, onboarding, collect, autopay, etc.)
- Identify growth opportunities across user acquisition, activation, engagement, and retention
- Benchmark against competitors and identify gaps
- Define product KPIs (TPV, transactions, success rate, DAU/MAU, retention)
UPI Product Development & Optimization:
- Own end-to-end lifecycle of UPI featuresfrom ideation to launch to iteration
- Improve payment success rates, latency, and reliability across flows
- Build and enhance core journeys:
1. P2P transfers
2. P2M QR payments
3. Collect requests (intent & mandate flows)
4. UPI Autopay & subscriptions
- Work on integrations with NPCI/PSP banks and manage dependencies
User Experience & Growth:
- Design intuitive, low-friction payment journeys with strong UX focus
- Optimize onboarding, first transaction experience, and repeat usage
- Build user personas and optimize journeys for different cohorts
Data, Analytics & Experimentation:
- Monitor core funnels: onboarding activation repeat usage
- Track key metrics: success rate, failure reasons, latency, drop-offs
- Run A/B experiments for feature improvements and growth initiatives
Cross-Functional Collaboration:
- Work closely with engineering for sprint planning and execution
- Partner with risk, compliance, and fraud teams to ensure safe transactions
- Collaborate with business, marketing, and partnerships teams for adoption
- Coordinate with customer support to improve issue resolution flows
Risk, Compliance & Reliability:
- Ensure product compliance with NPCI and RBI UPI guidelines
- Work on fraud detection, transaction monitoring, and prevention systems
- Improve dispute handling, reversals, and grievance workflows
- Ensure system uptime, scalability, and failover mechanisms
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