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Finkraft

Product Manager — Virtual Cards

Finkraft · Bengaluru, Karnataka, India

Financial Services · 51-200 employees

Jun 23
Senior (5-10 yrs) Full-time India
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About the role

The Product Manager will own the end-to-end virtual card platform, including issuance, spend controls, and settlement. They will engage directly with clients and partners to define requirements, document system architecture, and drive the implementation of the platform.

What they look for

Fintech Product Management Card Issuance Payment Systems API Design PCI-DSS RBI Compliance Mastercard Visa System Architecture Stakeholder Management Project Execution KYC AML Travel Fintech

Requirements

Candidates must have 4-8 years of experience in fintech product management with a strong background in card networks and payment systems. Proficiency in technical documentation, API integration, and regulatory compliance frameworks like RBI PPI and PCI-DSS is required.

Full description

ABOUT THE ROLE

We are looking for a Product Manager who operates as an individual contributor — someone who owns output, not just process. You will talk directly to clients, TMCs, and OTAs; understand issuing bank APIs and payment networks; navigate RBI and PCI-DSS compliance; and ship a live virtual card implementation end-to-end within 60 days.

Experience

4–8 years in fintech product management

Domain

Card issuance, payment systems, travel fintech

Working Style

IC — self-directed, owns research and delivery

Location

India (RBI/PPI compliance context required

KEY RESPONSIBILITIES

  • Own end-to-end virtual card platform: issuance, spend controls, reconciliation, and settlement
  • Talk directly to clients, TMCs, and OTAs (TBO, Yatra) to understand current workflows and pain points
  • Understand and document issuing bank APIs — card creation, MCC controls, velocity limits, webhooks
  • Navigate Mastercard/Visa network rules, BIN sponsorship models, chargeback and settlement cycles
  • Study RBI PPI guidelines, PCI-DSS requirements, and global payment regulations relevant to travel card use cases
  • Analyse how existing OTA/TMC integrations issue virtual cards and produce a detailed replacement strategy document
  • Write the PRD and system architecture for Finkraft's virtual card platform covering API design, ledgering, and fraud integration
  • Select 2–3 pilot clients, define implementation scope, and drive sprint execution with the tech team
  • Personally run UAT with clients and own the go-live checklist

Requirements

REQUIRED EXPERIENCE & SKILLS

  • 4–8 years in fintech PM, specifically in card or payment systems
  • Strong understanding of card networks, BIN sponsorship, authorization flows, and settlement cycles
  • Hands-on experience reading and working with issuing bank and payment gateway APIs
  • Familiarity with RBI PPI master directions, PCI-DSS, KYC/AML frameworks
  • Ability to produce detailed technical documents independently — PRD, system architecture, integration specs
  • Experience coordinating with engineering teams on sprint planning and delivery
  • Prior exposure to travel fintech (OTAs, TMCs, expense management) is a strong plus

WHAT MAKES THIS ROLE DIFFERENT

This is not a coordination role. You will be the primary driver of research, documentation, client engagement, and execution. Within 60 days, you will have produced a complete PRD and architecture document, and will have at least one client live on Finkraft's virtual card platform.