Product Manager ( Card Acquiring: BIN Sponsorship Business)

Job Description: Manager – Product Manager (Card Acquiring: BIN Sponsorship Business)

Role Overview

We are looking for an energetic, detail‑oriented Manager – Product Management to support and expand our Card Acquiring: BIN Sponsorship portfolio. The role demands strong product ownership, hands‑on execution, and the ability to manage complex partner integrations, regulatory alignment, and cross‑functional coordination.

Key Responsibilities

1. New PA Partner Onboarding (Product‑Intensive Work)

• Manage end-to-end product onboarding of 3–4 new Payment Aggregator (PA) partners per year.

• Lead integration, UAT, certification, and setup of payment flows & technical configuration.

• Ensure scheme alignment (Visa/Mastercard/RuPay) and adherence to dispute, chargeback, and compliance rules.

• Define/validate reconciliation and settlement frameworks and manage offline terminal configuration.

• Provide continuous partner support until go-live readiness.

2. Enhancement of Existing PA Partnerships (Online & Offline both)

• Drive feature upgrades (new payment modes, authentication, tokenization, DCC,MCC etc.).

• Identify and deliver enhancements to improve conversion, uptime, or transaction success rates.

• Work with PA partners to close product gaps and prioritize roadmap items.

3. Expansion of BIN Sponsorship to International/Cross-Border

• Build the product roadmap for Domestic/International BIN Sponsorship models.

• Conduct market research on cross-border acquiring trends, pricing, and compliance requirements.

• Secure internal approvals (Risk, Legal, Compliance).

• Design international acceptance frameworks, user flows, and commercial constructs.

• Liaise with card networks for validations and scheme certifications.

4. Cross-Functional & Network Coordination

• Collaborate with Technology, Legal, Risk, Compliance, and Operations teams.

• Work with Visa/Mastercard/RuPay for scheme updates and partner enablement.

Key Performance Indicators (KPIs)

1. Partner Onboarding & Go‑Live Delivery

• Number of PA partners onboard vs. target.

• Onboarding cycle time.

• Successful completion of certifications and UAT.

2. Product Stability & Performance

• Improvement in transaction success rates.

• Uptime/availability metrics.

• Reduction in defects and reconciliation mismatches.

3. Feature & Roadmap Execution

• Delivery of planned product enhancements.

• Adoption of new features by partners.

• Time-to-market for enhancements.

4. BIN Sponsorship International Expansion

• Completion of feasibility, approvals, and product design milestones.

• International enablement and certifications completed on time.

• Go-live of international acquiring capability.

5. Compliance, Audit & Regulatory Adherence

• Zero major non-compliances.

• Timely regulatory reporting and documentation.

6. Stakeholder & Partner Satisfaction

• Internal stakeholder satisfaction levels.

• External partner feedback and reduction in escalations.

7. Commercial & Business Impact

• Contribution to incremental TPV (Total Payment Volume) through new partners and features.
• Impact on revenue, interchange, or MDR through product initiatives.
• Improvement in cost efficiencies via process or product optimization.