Product Manager- Payments & Scheduling

ConfidentialBengaluru / Bangalore, India

13 days ago

Job description

About The Role

Join Zoca as the founding Product Manager for our Payments & Scheduling pod, where you'll define & build what payments should look like for an AI-agentic company. This is a 0-1 opportunity where you'll work with our AI agents that book appointments and collect payments via SMS / email / voice, while also building the backend systems for contractor payouts and financial operations. You'll research our customers' needs, explore different approaches (embedded payments, agent workflows, scheduling-linked transactions, or something entirely new), and make the critical decisions that will shape our product. You'll be the architect of our payments strategy, working closely with customers and internal teams to discover the right solution and then scale it. This role offers massive impact - your decisions will define how Zoca handles financial transactions and shape our business model as we grow.

What You'll Do

Own the product roadmap and execution for payments + scheduling integration from scratch
Research and discover the right payment solutions for Zoca's customers through user interviews, market analysis, and experimentation
Design payment collection flows triggered by AI agents via voice / SMS / email—optimize for conversion and trust in agentic contexts
Build the policy engine : define deposit policies, no-show rules, refund logic, surcharge handling, and exception workflows
Create merchant and admin dashboards for payment tracking, payout management, policy configuration, and exception handling
Drive key metrics such as conversion, payment success rates, payout success rate etc
Navigate the US payment ecosystem—evaluate providers, understand compliance requirements, and define integration strategy
Establish metrics and analytics frameworks to measure success and drive data-informed decisions
Run experiments and tests to optimize product performance, pricing models, and user experience
Think big about what payments could mean for an AI-native platform and explore innovative approaches
Partner closely with Engineering to build robust, scalable infrastructure and make key technical decisions
Collaborate with Risk & Compliance on fraud prevention, velocity limits, sanctions screening, and dispute playbook requirements

Who You Are

5-6+ years in product management with 2+ years in payments / fintech, specifically payment links, payouts, or disbursements

Deep technical understanding of payment systems, APIs, and infrastructure (you understand architecture, security, compliance)

Deep understanding of payment operations : deposits, tips, contractor payouts, refunds, chargebacks, and reconciliation flows

Knowledge of payment edge cases : soft / hard declines, 3DS / SCA, partial approvals, retry logic, dispute evidence requirements

Passionate about AI and have thought about how autonomous agents could transform financial transactions

Comfortable with ambiguity and regulated environments—you balance shipping fast with doing things right

Strong analytical skills - comfortable with SQL, metrics, A / B testing, and data-driven decision making

Experience with US payment ecosystem and knowledge of providers, regulations, and market dynamics

Ownership mindset - you take full accountability from vision to execution to results and thrive in ambiguity

Excited by 0-1 creation, wearing many hats, and working in fast-paced environments

Bonus : Experience with scheduling / booking businesses, B2B SaaS, subscriptions, or usage-based billing, understanding of conversational UX, voice agents, or messaging commerce for payment collection

Skills : product strategy,agents,product roadmapping,fintech,scheduling,payments

Skills Required

fintech , product strategy , Agents, Scheduling, Payments

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Product Manager • Bengaluru / Bangalore, India