Product Manager

Company Description

SP Transaction Hub Pvt. Ltd. is a high-growth fintech startup building India-scale payment infrastructure across UPI, QR, Soundbox, Payment Gateway, and enterprise payouts.

We operate as a Technology Service Provider (TSP) for banks and enterprises, enabling fast merchant onboarding, high-TPS collections, real-time reconciliation, and automated settlements. Our systems are designed to handle mass volume, zero-downtime payments, and rapid geographic scale.

Security and compliance are non-negotiable for us. SP Transaction Hub is ISO certified and PCI DSS compliant, ensuring bank-grade security, data protection, and regulatory alignment across all our payment flows.

Role Description

We are looking for a high-ownership Product Manager who understands payments end-to-end and can own products.

This role is not about writing PRDs and waiting for approvals.

You will define the roadmap, decide pricing & commercials, lead partnerships, and take final product calls in alignment with the founder.

If you’ve built or scaled Payment Gateways, UPI, QR, Soundbox, Payouts, Escrow, APIs, or Bank-TSP integrations, this role is for you.

What You’ll Own (End-to-End)Product Ownership (Zero Gaps)

• Own entire product lifecycle: idea → validation → build → launch → scale
• Deep understanding of all SP products:
• Payment Gateway (Pay-in)
• UPI QR & Soundbox
• Payouts / Escrow / Virtual Accounts
• Bank-led TSP & NPCI-compliant flows
• Translate business + regulatory needs into scalable product design

Roadmap & Execution

• Define quarterly & annual product roadmap
• Prioritize features based on revenue, compliance, GTM impact
• Work closely with engineering, ops, compliance & sales
• Ensure speed without breaking compliance

Pricing, Commercials & Unit Economics

• Own pricing strategy across all products:
• MDR, rentals, deposits, AMC, revenue share
• Design merchant-wise & partner-wise pricing
• Ensure strong unit economics & margin discipline
• Take final pricing decisions with founder alignment

Partnerships & Integrations

• Lead bank, NBFC, marketplace & platform partnerships
• Own commercial negotiations & product scope
• Decide build vs partner vs white-label
• Act as the single product voice in partner discussions

Decision Making & Leadership

• Act as final decision maker on:
• Product scope
• Feature prioritization
• Pricing & packaging
• Challenge assumptions — including the founder’s — with data
• Build product culture inside SP

Qualifications

Must-Have

• 3-5 years in Fintech / Payments / Banking tech
• Strong understanding of:
• UPI, PGs, QR, Soundbox, Payouts
• NPCI, Bank acquiring models, TSP frameworks
• Proven experience handling end-to-end products
• Strong grip on commercials & pricing, not just features
• Ability to take hard calls and own outcomes
• Built products at scale (₹100Cr+ monthly GMV)
• Exposure to ISO / PCI-DSS compliant systems
• Startup or zero-to-one product experience