---
title: 'Product Management - Product Manager - UPI at Paytm'
canonical: 'https://feeny.ai/job/product-management-product-manager-upi-paytm-noida-91s6kvaa1mcs'
type: 'job'
last_seen: '2026-09-12'
---

# Product Management - Product Manager - UPI at Paytm

- **Company:** Paytm
- **Location:** Noida, Uttar Pradesh
- **Employment:** full-time
- **Work type:** onsite
- **Posted:** 2026-08-14
- **Last confirmed live:** 2026-09-12
- **Apply:** https://jobs.lever.co/paytm/c173ccbe-d2ae-42f4-9cd5-72f69ff45a0f

## Job description

About Paytm:

Paytm is India's leading mobile payments and financial services distribution company. Pioneer of the mobile QR payments revolution in India, Paytm builds technologies that help small businesses with payments and commerce. Paytm’s mission is to serve half a billion Indians and bring them to the mainstream economy with the help of technology

## About the Role

At Paytm, we are building the next generation of intelligent payment experiences for millions of users.

We are looking for an AI-first Senior Product Manager who combines exceptional product thinking, customer empathy, UX sensibility, and execution excellence with a strong understanding of modern AI capabilities.

You will own high-impact consumer journeys across UPI payments, onboarding, mandates, and engagement, while identifying opportunities where AI can simplify experiences, automate workflows, and solve customer problems at scale.

You will work closely with Engineering, AI/Data Science, Design, Analytics, Risk, Operations, and Business teams to build products that are intuitive, reliable, and loved by customers.

If you are passionate about building products, experimenting with AI, solving complex customer problems, and delivering measurable business impact, we’d love to hear from you

## What You will Own

- Define the product vision, strategy, and roadmap for consumer-facing UPI experiences.
- Own critical customer journeys across UPI onboarding, payments, mandates, payment management, and engagement.
- Identify opportunities to leverage Generative AI and AI Agents to simplify customer journeys, improve payment success, and automate internal workflows. * Design AI-powered experiences such as intelligent assistants, conversational interfaces, recommendation systems, and workflow automation.
- Partner with Design to build simple, intuitive, and delightful user experiences. *Translate customer pain points into product opportunities backed by user research and data.
- Prioritize the roadmap using customer impact, business value, engineering effort, and regulatory requirements.
- Write high-quality PRDs, user stories, acceptance criteria, success metrics, and launch plans.
- Drive rapid experimentation through A/B testing and data-driven decision making.
- Analyze user funnels, behavioral insights, and product metrics to continuously improve customer experience.
- Work closely with Engineering throughout design, development, rollout, monitoring, and iteration.
- Collaborate with Risk, Compliance, Operations, Customer Support, and Business teams to deliver secure, reliable, and compliant payment experiences.

## What We are Looking For

Must Have

- 4+ years of Product Management experience building consumer-facing digital products.
- Experience in Fintech, Payments, Banking, UPI, or AI-powered consumer products.
- Strong product thinking with exceptional customer empathy and user experience focus.
- Demonstrated experience using Generative AI to improve product discovery, execution, documentation, analysis, or customer experience.
- Hands-on experience designing or implementing AI-assisted workflows, copilots, or agentic product experiences is highly desirable.
- Ability to write clear and structured Product Requirement Documents (PRDs), user stories, and acceptance criteria.
- Strong analytical mindset with experience using product metrics, customer insights, and experimentation to drive decisions.
- Experience working closely with Engineering, Design, Analytics, and AI/Data Science teams.
- Excellent stakeholder management, communication, and prioritization skills.
- Ability to independently drive ambiguous problem statements from discovery to launch.

AI Expectations

We expect our Product Managers to actively leverage AI in their day-to-day work.

Examples include:

- Using LLMs for product discovery, brainstorming, and customer research.
- Creating PRDs, user stories, product documentation, and specifications using AI.
- Building or configuring AI Agents to automate repetitive product workflows.
- Using AI for analytics, insight generation, competitive research, and decision support.
- Rapid prototyping of product ideas using AI-assisted tools.
- Designing AI-native customer experiences, copilots, or conversational interfaces.
- Evaluating AI solutions with a focus on customer value, safety, scalability, and measurable business outcomes.
- Experience with tools such as Chat GPT, Claude, Gemini, Cursor, GitHub Copilot, MCP-based tools,or similar AI platforms will be an added advantage.

## Preferred Experience

- Experience with one or more of the following is highly preferred.
- UPI Payments (P2P, P2M, Scan & Pay, Intent, AutoPay, Mandates)
- Payment Success and Customer Experience Optimization Consumer Growth and Activation.
- AI Agents and Agentic Workflows, Prompt Engineering.
- Personal Finance Products.
- Wallets and Stored Value Instruments Digital Banking Knowledge of NPCI guidelines, RBI regulations, payment processing architecture, and digital payment ecosystems will be a strong advantage.

Why join us: A collaborative output driven program that brings cohesiveness across businesses through technology Improve the average revenue per use by increasing the cross-sell opportunities A solid 360 feedback from your peer teams on your support of their goals. Respect, that is earned, not demanded from your peers and manager

Compensation: If you are the right fit, we believe in creating wealth for you. With enviable 500 mn+ registered users, 21 mn+ merchants and depth of data in our ecosystem, we are in a unique position to democratize credit for deserving consumers & merchants – and we are committed to it. India’s largest digital lending story is brewing here. It’s your opportunity to be a part of the story!

## About Paytm

## Company Overview
- **One-liner**: Paytm is India’s leading full-stack payments and financial services platform, enabling digital payments for consumers and merchants while distributing loans, insurance, and investment products.
- **Entity Type**: Public (NSE: PAYTM)
- **Headquarters**: Noida, Uttar Pradesh, India
- **Founded**: 2010
- **Founders**: Vijay Shekhar Sharma

## Core Business
- **Primary industries**: Payments, Financial Services, Marketing Services
- **Target customers**: B2C (consumers) and B2B (MSMEs, enterprises, online platforms)
- **Mission/purpose**: “To bring 500 million unserved and underserved Indians to the mainstream economy.” [paytm.com/about-us](https://paytm.com/about-us)

## Products & Services
- **Payment Services (Consumer & Merchant)**: QR code payments, Soundbox devices (with real‑time audio confirmation), All‑in‑One POS terminals, online payment gateway, UPI (including UPI Lite), and card acceptance. _Type_: Hardware + SaaS platform.
- **Financial Services Distribution**: Merchant loans, personal loans, insurance, and equity broking (via Paytm Money). _Type_: Service / marketplace.
- **Marketing Services**: Advertising, travel ticketing (bus, movies, flights), deals & gift vouchers. _Type_: Platform / marketplace.
- **Paytm Money Ltd**: Investment platform for mutual funds, stocks, NFOs. _Type_: App / brokerage.

## Market Standing
- **Valuation / Market Cap**: Not disclosed in provided sources (publicly traded; market cap fluctuates).
- **Key Metric**: Annual revenue estimated at **$758.2M** (LinkedIn, 2025); 39,368 active on‑roll employees in FY 2025. [linkedin.com/company/paytm](https://linkedin.com/company/paytm)
- **Notable Investors / Partners**: Not listed in provided sources (historically backed by SoftBank, Ant Financial, etc. – not verifiable from search results).
- **Growth Signals**: 18.7% YoY headcount growth (+4,811 people); serves **44M+ merchants** and **300M+ consumers**; deepened penetration in tier‑2/3 cities; successfully transitioned to a Third‑Party Application Provider (TPAP) for UPI under a multi‑bank model. [paytm.com/about-us](https://paytm.com/about-us), [paytm.com annual report](https://paytm.com/document/ir/annual-reports/fy2024-25/Paytm_Annual_Report_2024---25.pdf)

## Competitive Advantages
- **Full‑stack merchant payments leader** – owns the merchant relationship, aggregates all major payment instruments, negotiates rates, and provides cutting‑edge hardware (Soundbox, POS).
- **AI‑powered operations** – in‑house platforms Paytm ARMS (merchant lifecycle insights) and Periscope (fraud detection) automate onboarding, segmentation, pricing, and retention.
- **Largest fleet of Soundbox devices** on the street, creating a sticky subscription revenue stream.
- **Massive two‑sided ecosystem** (consumers + merchants) enabling high‑margin cross‑sell of loans, insurance, and marketing services.

## Strategic Focus
- **Payment‑led growth** – continue strengthening merchant payment leadership and expanding the omni‑channel platform.
- **Scale high‑margin financial services** – loan distribution, insurance, and equity broking.
- **Embed an AI‑first approach** across all products and internal processes to drive operating leverage.
- **Explore international expansion** of its technology‑led merchant payments and financial services distribution model. [paytm.com annual report](https://paytm.com/document/ir/annual-reports/fy2024-25/Paytm_Annual_Report_2024---25.pdf)

## Why Work Here
- **Benefits**: Medical insurance for self & family, wellness webinars, mental health support, maternity/paternity benefits, ESOPs, annual bonus, car lease, mobile device lease, employee discounts (Paytm Xtras), learning reimbursement, internal job mobility. [paytm.com/careers](https://paytm.com/careers)
- **Culture**: Innovation‑driven, purpose‑oriented (“simplify lives and fuel growth for millions”), with a strong emphasis on AI and technology. [paytm.com/careers](https://paytm.com/careers)
- **Work policy**: Most roles are **on‑site** (Noida, Mumbai, and other locations). [jobs.lever.co/paytm](https://jobs.lever.co/paytm)
- **Engineering culture**: Self‑driven learning, internal mobility, and the opportunity to work on products used by hundreds of millions of users.

## Sources
1. [Paytm Careers Page](https://paytm.com/careers)
2. [Paytm Job Openings (Lever)](https://jobs.lever.co/paytm)
3. [Paytm About Us](https://paytm.com/about-us)
4. [Paytm LinkedIn Profile](https://linkedin.com/company/paytm)
5. [Paytm Annual Report FY2024‑25 (PDF)](https://paytm.com/document/ir/annual-reports/fy2024-25/Paytm_Annual_Report_2024---25.pdf)

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