• Designation: Associate / Consultant—Product Management
• Base location: Bengaluru / Chennai / Hyderabad / Pune
Full-time employee
• Required work experience: 4 to 10 years

As a pivotal member of the Finacle Product Management team, you will lead the ideation, development, and management of payments-related solutions that align with customer needs and drive business growth. Collaborating with cross-functional teams—including development, design, marketing, and operations—you will oversee the end-to-end lifecycle of payment solutions, from market research and product definition to launch and continuous optimization. This role demands a strategic mindset, deep expertise in the payments industry, and the ability to deliver innovative solutions in a dynamic market landscape.

Key Responsibilities

Product Vision & Strategy:

Develop and articulate a clear product vision that aligns with company objectives and market needs, driving the strategic roadmap for payments solutions.

Market Research & Analysis:

Analyze industry trends, emerging technologies, and competitive offerings to identify market opportunities and ensure product differentiation.

Product Roadmap & Definition:

Gather and prioritize requirements from customers, stakeholders, and market research. Define product features, create detailed specifications, and develop a prioritized product roadmap.

Cross-Functional Collaboration:

Work closely with engineering, design, and operations teams to guide product development, ensuring high-quality deliverables within defined timelines using agile methodologies.

Customer-Centric Development:

Conduct user acceptance testing (UAT), incorporate feedback, and iterate to optimize the product for customer satisfaction and market relevance.

Stakeholder Engagement:

Act as the primary liaison between internal teams, customers, and external stakeholders, ensuring alignment and smooth communication across all phases of the product lifecycle.

Compliance & Reporting:

Ensure adherence to banking standards (e.g., ISO20022, SEPA, SWIFT), regulatory requirements, and statutory reporting formats.

Essential Skills & Qualifications

Industry expertise:

• Over 4 years of experience in the payments domain.
• Hands-on expertise in payment systems, including SWIFT processing, clearing systems (RTGS, CHAPS, FED, NACHA), payments hubs, and reconciliation.

Technical Proficiency:

• Knowledge of payment standards and practices, including ISO 20022, SEPA, clearing, and settlement processes.
• Proficiency in tools like Jira to manage user stories, epics, and documentation.
• Familiarity with software development life cycles (waterfall, agile, etc.).

Analytical & Communication Skills:

• Proven ability to translate business requirements into clear user stories, acceptance criteria, and process flows.
• Strong facilitation skills for sprint grooming, defect triage, and UAT coordination.
• Effective in conducting training sessions and "show and tell" demonstrations for stakeholders.

Attention to Detail:

• Demonstrates meticulousness in defining mandatory fields, business rules, and interface points for seamless development.
• Strong skills in functional testing and managing dependencies between integrated applications.

Compliance Knowledge:

• In-depth understanding of financial regulations, statutory reporting requirements, and submission formats for regulatory authorities.