Nexion Pro - Product Manager - Merchant Payments Ecosystem

Role Overview :

- We are seeking experienced professionals with strong expertise in the Merchant Payments Ecosystem to drive product strategy, business analysis, and implementation of payment solutions.

The ideal candidate should have deep domain knowledge of digital payment systems, merchant onboarding processes, PSP integrations, settlements, reconciliation, and reporting frameworks. This role requires close collaboration with product, technology, compliance, operations, and external payment partners to design scalable payment solutions and enhance the merchant payment experience.

Key Responsibilities :

- Design and manage the end-to-end merchant onboarding workflow, including KYC verification and compliance checks.

- Define onboarding requirements for marketplace merchants, aggregators, and enterprise merchants.

- Work closely with compliance teams to ensure adherence to RBI, NPCI, AML, and regulatory guidelines.

- Improve merchant onboarding experience through automation and optimized processes.

- Manage merchant payment lifecycle including transaction processing, authorization, and payment capture.

- Define product requirements for merchant dashboards, payment tracking, and transaction monitoring tools. Collaborate with engineering teams to implement payment features, APIs, and merchant management tools.

- Handle merchant escalations and ensure seamless payment operations. Lead integration with multiple PSPs, payment gateways, banks, and third-party payment partners.

- Define technical and functional specifications for payment APIs and gateway integrations.

- Enable support for payment methods such as UPI, debit/credit cards, wallets, net banking, and BNPL solutions.

- Work on multi-PSP architecture and dynamic payment routing to improve payment success rates.

- Design and manage merchant settlement processes, including T+1, T+2, and configurable settlement cycles.

- Ensure accurate transaction reconciliation between payment gateways, banks, and internal ledger systems.

- Monitor settlement reports and resolve discrepancies in collaboration with finance and operations teams.

- Implement systems to handle refunds, chargebacks, reversals, and dispute management.

- Build and manage merchant reporting frameworks and dashboards.

- Analyze transaction data to identify trends, performance metrics, and payment success rates.

- Provide insights to optimize payment routing, fraud prevention, and transaction success rates.

- Enable advanced reporting for merchant payouts, settlements, and operational monitoring.

Required Skills & Expertise :

- Strong understanding of the Payments & FinTech ecosystem.

- Experience working with UPI, Cards, Wallets, Net Banking, and Marketplace payment flows. Knowledge of RBI regulations, NPCI guidelines, AML/KYC compliance frameworks.

- Hands-on experience with payment reconciliation, ledger systems, and settlement workflows.

- Strong knowledge of API integrations with payment gateways and PSPs.

- Experience working on high-volume transaction processing systems.

- Strong analytical, problem-solving, and stakeholder management skills.

- Ability to translate business requirements into product and technical specifications.