Product Manager-Credit Cards

Job Description

Job – Product Manager (Credit Card Payments)

Function/Department – Credit Card

Job Purpose:

The Product Manager - Credit Card Payments will be tasked with driving end-to-end payment transaction performance throughout the credit card portfolio by optimizing authorization rates, reducing transaction declines, strengthening fraud controls, and pinpointing emerging misuse patterns. The post requires a deep understanding of the card payment ecosystem, such as transaction lifecycle management from Acquirer to Network to Issuer and vice versa.

The incumbent will work closely with Visa, Mastercard, RuPay, technology teams, fraud risk teams, operations to implement industry best practices, innovative payment solutions, and fraud prevention strategies. The objective is to enhance customer experience, strengthen transaction success rates, minimize fraud losses, and keep up a healthy credit card portfolio.

Position & Responsibilities:

•Drive and optimize the end-to-end credit card payment journey over POS, E-commerce, Contactless, Tokenization, ATM, and UPI-on-Credit Card channels.

•Monitor and upgrade authorization performance by analyzing transaction declines, customer behavior, merchant trends, network performance, and portfolio health.

•Collaborate with Visa, Mastercard, RuPay, technology, operations, risk, and analytics teams to implement payment enhancements and enhance customer experience.

•Pinpoint emerging fraud patterns and implement fraud prevention strategies through transaction monitoring, authentication controls, device intelligence, behavioral analytics, and risk frameworks.

•Analyze transaction, fraud, chargeback, and dispute data to generate actionable perspectives and recommend business improvements.

•Drive automation of MIS, dashboards, monitoring frameworks, and reporting to support business decisions and operational productivity.

•Prepare business cases, Business requirement documents (BRDs), portfolio reviews, and management presentations for senior leadership.

•Liaise with payment networks, NPCI, payment gateways, and acquiring partners for performance improvement initiatives, issue resolution, and regulatory compliance.

•Support implementation of new payment capabilities such as tokenization, contactless payments, digital wallets, recurring payments, and UPI-on-Credit Card.

•Monitor customer experience, chargeback trends, disputes, and operational issues, driving corrective actions to strengthen service quality.

•Conduct periodic reviews of transaction trends spanning merchants, channels, geographies, and customer segments to spot development prospects and risks.

•Participate in audits, regulatory reviews, network certifications, and continuous process improvement initiatives.

•Positive, collaborative attitude, Prolific communicator

•Capacity to evaluate potential business openings, structure the team’s thinking, and reach insightful answers

•Track record in overseeing multiple cross-functional openings and projects in parallel

•Ambitious team player with the capability to oversee the internal & external partners expectations and tasks in time sensitive situations

•Hands-on track record in card payment ecosystems, authorization processes, fraud monitoring, or transaction risk management.

Educational Qualifications:        

Graduation: Bachelor of Commerce (B.com) / Bachelor of Science (B.Sc) / Bachelor of Arts (BA) / Bachelor of Business & Insurance (BBI) / Bachelor of Management Studies (BMS) 

Post-Graduation: Master of Business Administration (MBA) / Master of Commerce (M.com) / Master of Arts (MA) 

Experience:

•  5-10 years of background in Credit Cards Payments, Transaction Banking, Authorization Strategy, Fraud Risk Management, or Payment Product Management.

This Product Manager-Credit Cards vacancy is based in Mumbai.