Product Manager - UPI & BBPS

Designation: NA

Location: India Maharashtra Goregaon R Tech

Organization: Financial Services

• *Job Description:**
• -------------------

• *Job Description: Product Manager – UPI \& BBPS**

• *Experience:** 2–3 Years

• *Department:** Digital Payments / Product Management

• *Industry:** Fintech / Digital Payments

• *Role Overview**

We are looking for a Product Manager to manage and enhance UPI and BBPS (Bharat Connect) journeys, drive product execution, and improve onboarding, transaction success, and customer experience. The role involves close collaboration with engineering, QA, design, analytics, operations, compliance, and banking partners to deliver seamless, reliable, and compliant payment experiences.

• *Key Responsibilities**

• *1\. Product Management \& Delivery**

• Translate business requirements into PRDs, user stories, acceptance criteria, and product specifications.
• Manage product backlogs, JIRA, sprint planning, UAT, releases, and post\-release monitoring.
• Collaborate with cross\-functional teams to deliver product enhancements and resolve production issues.
• Support roadmap execution, competitor benchmarking, and feature prioritization.

• *2\. UPI \& BBPS Product Management**

• Manage UPI journeys, including onboarding, device binding, SIM verification, bank account linking, UPI ID creation, UPI PIN setup, and payments.
• Drive UPI feature enhancements, including UPI Lite and other applicable capabilities.
• Manage BBPS journeys across bill categories, including biller integration, bill fetch, payment processing, status checks, refunds, reversals, and complaints.
• Coordinate with PSP banks, billers, aggregators, and technology partners to resolve issues and improve transaction performance.
• Support implementation of applicable RBI, NPCI, and Bharat Connect guidelines.

• *3\. Product Analytics \& Performance**

• Configure and validate product events in Mixpanel and GA4 in collaboration with engineering and analytics teams.
• Analyze funnels, cohorts, retention, and drop\-offs across onboarding, activation, UPI transactions, and bill payments.
• Track key metrics such as registration conversion, device\-binding success, transaction success rates, technical declines, API latency, bill\-fetch success, and repeat usage.
• Build performance dashboards and conduct root\-cause analysis to identify product gaps and drive measurable improvements.
• Use Excel and, preferably, SQL/BigQuery or BI tools for data analysis and reporting.

• *4\. Customer Experience \& Stakeholder Management**

• Identify friction points through customer feedback, complaints, and journey analysis; recommend improvements to reduce drop\-offs and payment failures.
• Coordinate with engineering, QA, operations, risk, compliance, and banking partners on integrations, testing, releases, and issue resolution.
• Maintain product documentation, process flows, test scenarios, and release notes.

• *Required Skills \& Qualifications**

• 2–3 years of experience in product management, business analysis, or product execution, preferably in fintech or digital payments.
• Working knowledge of UPI, BBPS/Bharat Connect, payment flows, and customer onboarding journeys.
• Hands\-on experience with Mixpanel and/or GA4, including event tracking, funnel analysis, and conversion metrics.
• Familiarity with JIRA, Agile methodologies, PRDs, user stories, and UAT.
• Basic understanding of REST APIs, JSON, API testing, and system integrations.
• Strong analytical, problem\-solving, communication, and stakeholder management skills.

• *Good to Have:** Basic SQL/BigQuery, Power BI or similar tools; exposure to Android/iOS applications, PSP banks, TPAPs, biller aggregators, reconciliation, refunds, and transaction monitoring.

• *Key Performance Indicators (KPIs)**

• Onboarding, UPI activation, and first\-transaction conversion.
• UPI and BBPS transaction success rates.
• Device\-binding, bank\-linking, and bill\-fetch success rates.
• Reduction in transaction failures, technical declines, and funnel drop\-offs.
• Feature adoption, repeat transactions, and customer experience.
• Timely delivery of product enhancements and resolution of production issues.

• *Ideal Candidate:** A data\-driven product professional with a strong understanding of digital payments, product analytics, customer journeys, and cross\-functional execution.