Product Managers(Payment Gateway)

At YES BANK, there's not many teams more vital than Digital Banking unit, that are responsible for the Bank's dominance in the payment ecosystem. YES BANK processes nearly one out of every three digital transactions which totals over 6 bn monthly. YES BANK has demonstrated the consistent market leadership in payment products like UPI, AEPS, IMPS & NEFT and has built innovative and industry first solutions around digital payments.

The Product Team at the unit hold the helm and is the backbone – orchestrating the products meticulously. The team's scope is wide, leading on the engineering, data science, operations and design. We work with TechFins and Cloud Service Providers to co-create infrastructures and platforms that are built to scale and service the exponential growth of digital payments. We create partnerships with the Fintech ecosystem and corporates to support them to their payment products.

Job Description

JOB SUMMARY :

Hiring Product Managers- Payment Gateway (PG) having functional & business acumen of online card payments. The role fits someone having strong analytical & problem-solving skills, stakeholder management skills, and an understanding of payment and banking systems. You can remain highly organized in a loosely structured and fast-paced environment. You are inquisitive, self-driven and able to work autonomously.

DETAILED RESPONSIBILITIES :

1. Product design and development, with the ability to deep dive into the nitty-gritty of customer's requirements, technical architecture, and operational challenges

2. Conceptualize and deliver product solutions for new use-cases by identifying target markets, assessing market / client / prospects needs and reviewing ecosystem readiness

3. Build go-to-market plans and product roadmaps to scale payment product services; work closely with PSPs & Network to ensure readiness in implementing new solutions; for direct merchants and PayFac models

4. Collaborate with internal and external cross-functional stakeholders including legal, finance, operations, risk / control units and other product teams to manage the product life cycle.

5. Oversee relationships with networks to track guidelines and drive strategic initiatives related to merchant solutions on card processing.

6. Own the operational and commercial relationship with service providers and PayFac partners.

PROFESSIONAL QUALIFICATIONS :

1. Bachelor's degree mandatory / MBA preferred.

2. Minimum 5 years of work experience in BFSI / Fintech industry with at least 3 years of demonstrated experience in card processing in partnership with card networks (VISA, Master Card, RUPAY, etc)

3. Should have fair knowledge of card payment processing and systems involved, including but not limited to authentication, authorization, transaction settlement and reconciliation involving multiple parties etc

4. Strong knowledge and understanding of Card ecosystem, Network / RBI guidelines and evolving features / solutions, including but not limited to Guest Checkout, Network Tokenization, Push Provisioning, 3DS 2.0, Cross border transactions (DCC / MCC), Bin Sponsorship, Money Send & Visa Direct, etc

Skills Required

Reconciliation, cross border transactions , Payment Gateway, Mcc, Authorization, Authentication