Associate Product Manager

Associate Product Manager - Payments 1-3 years of work experience We at Setu are looking for those who share our core belief - "Every Day is Game Day". We bring our best selves to work each day to realize our mission of enriching the world through the power of digital commerce and financial services. Role Purpose: Setu's Payments Unit (BU) is responsible for all payment products, including the BBPS (now Bharat Connect - used interchangeably) product unit and the collections suite. We are building at the frontier for India's one of the largest networks under BBPS to revolutionise how businesses do collections through BBPS and outside it. We believe that even though we are one of the leading service providers in the market with 24% of the market share, we still have a long way to go, and many interesting problems to solve for the ecosystem and businesses. We build APIs for businesses to solve their payments lifecycle. Our next set of challenges is to double down on collections, add more capabilities and bundle offerings. This role will provide you with a deep look at the business objectives and technical architecture of multiple companies across financial services. The learning potential is immense! What will you do at Setu? As the PM for this product, your goal will be to scale transaction volumes significantly by expanding our customer base, improving onboarding journeys, and driving deeper usage. You'll work at the intersection of businesses, banks, regulators, and platforms—building products that are robust, compliant, and built for scale. This is a high-ownership role with the opportunity to influence one of the most widely used digital public infrastructures in India. In this role, you'll spend your time— Product Development & Execution: Drive the vision and roadmap for Setu's BBPS product. Work with engineering, design, operations, and compliance teams to streamline product adoption, activation and transaction flows that scale with demand. Business & Ecosystem Solutions: Build features and tools to onboard diverse customer cohorts. Enable smoother integrations, real-time reconciliation, and improved user dashboards to drive usage and retention. Growth & Platform Optimization: Leverage data and user insights to identify drop-offs, optimize onboarding funnels, and improve time-to-revenue. Continuously enhance platform performance, availability, and transaction success rates. Stakeholder Management: Work closely with banks, regulators, sales, and support teams to unblock go-lives, reduce onboarding friction, and align on compliance and reporting requirements. GTM & Market Positioning: Understand competition and define Setu's differentiated value proposition. Contribute to pricing, packaging, and go-to-market strategy for new customer segments. Strategic Ownership: Do whatever it takes to grow the BBPS business—whether that means scoping a new use case, enabling operational automation, building internal tooling, or writing the collateral for a strategic pitch. Who is the right fit for this role? To excel in this role you will need— Experience: 1-3 years of experience in finance or fintech industry, working with engineering teams daily, ability to prioritise against competing pressure, ability to appreciate the complexity of at least one payments stack. Industry Knowledge: Solid understanding of and experience working in complex, regulated environments and have worked with external partners (banks, NBFCs, or regulatory networks). Technical Acumen: Ability to understand and work with machine learning models applied to financial data. Experience with transforming data into actionable insights for risk mitigation and decision-making. Unimpeachable integrity: You always keep your word, no matter what. And you do the right thing, always. You own up to your mistakes and can reflect on your performance objectively. High Agency & a bias for action: You're someone who gets stuff done, highlights problems and solves them. You're able to work in zero-to-one environments. You will ensure we find our way to product market fit with new initiatives or take our initiatives that have found ground from 1, to 10, to 100. Strong organizational skills: As part of the role, you will need to be on top of multiple threads between different internal and external stakeholders. You will do well if you have a robust personal organizational system to keep track of all the moving parts. A keen analytical mind: You should be able to turn around a deck or a summary document in tight timelines with minimal oversight. You should at least have a basic understanding of the payments infrastructure, or a working knowledge of NPCI products. Outstanding Communication: Ability to clearly articulate product vision, engage stakeholders effectively, and simplify complex ideas for diverse audiences. A burning desire to learn and develop deep fintech expertise — building API infrastructure is a lot harder (and more rewarding) than consumer fintech. You will need to learn about: Architecture of legacy systems: To break new ground and close partnerships, you must first understand where existing systems are broken. Setu platform architecture and the role of APIs in financial services.

Pine Labs is a leading merchant commerce omnichannel platform operating across India, the Middle East, and Southeast Asia. Pine Labs' tech-first approach to digital payments and focus on simplification at the front end aims to help many businesses embrace fintech products at scale. In digital payments, our online payments cloud-based software Plural represents a one-stop payments destination across channels. Plural is designed to deliver secure and frictionless online payment experiences to the end user, powered by an advanced tech stack that can augment an existing online business or build an all-new e-commerce payment setup from the ground up. Our Issuing business is powered by Qwikcilver - Qwikcilver offers a cutting-edge, full-stack, end-to-end technology service solution in the Pre-paid Transaction Management, Gift Cards, and Sales/ Distribution Space, with a strong presence in multiple countries and live service engagements with leading brands and major customers from the Retail, Hospitality and Airline Industries, across the following geographical regions; South Asia - India, South East Asia and the Far East - Singapore, Malaysia, Indonesia, Philippines, Middle East and Africa - Dubai, Abu Dhabi, South Africa, Europe - Luxembourg and Czech Republic, Australia, New Zealand and Hawaii in the United States of America, at the present moment. In consumer app, Fave is a fintech platform for the next generation of consumers, providing smart payments and savings, while empowering merchants with a loyalty solution to grow and engage with their customers in a whole new way.