ABOUT THE ROLEWe are looking for a Product Manager who is passionate about conceptualising and nurturing new ideas, and developing them into scalable fintech solutions. You will drive multi-skilled teams through rapid prototyping and take products from ideation to commercial launch — with a specific focus on Central Bank Digital Currency (CBDC).This is a high-impact, cross-functional role that sits at the intersection of technology, regulation, and business — collaborating with regulators, banks, Fintechs and internal engineering, sales, and compliance teams.AT A GLANCEDepartment: Product ManagementLocation: Pune, IndiaExperience Required: 4+ years in UPI / IMPS / CBDCEducation: MBA or BE / B.Tech from Tier 1 College (can be overlooked if there is strong domain experience)Decision-Making Authority: YesWHAT YOU'LL DOProduct Ownership & Strategy• Own the complete lifecycle of CBDC products — ideation, design, development, testing, go-live, enhancements, and growth• Build and maintain the product roadmap with short, medium, and long-term objectives• Develop product pricing and positioning strategies• Manage product profitability by maximising revenue from existing offeringsExecution & Delivery : -• Collaborate with System Architects and Engineers to deliver APIs, technical flows, and system integrations (success and failure scenarios)• Gather and document requirements — ideation docs, flow diagrams, roadmaps, API specs, BRS, and test cases• Lead brainstorming and sprint planning sessions across cross-functional teams• Identify and lead platform and app initiatives to improve system robustness and user experience• Manage scoping and development of product enhancementsStakeholder & Market Engagement : -• Interface with external stakeholders — RBI, Banks, NPCI, FinTechs, and technology vendors• Interact with key customers to identify product gaps and generate growth ideas• Conduct competitive analysis and R&D for new use cases• Spot market opportunities alongside the sales team to target banks and financial institutionsGo-to-Market & Sales Support : -• Build and drive GTM activities in close collaboration with Sales, Marketing, and Management• Lead pre-sales function for CBDC product line• Consult and support Strategic Accounts on scoping and delivery for custom requirementsWHAT WE'RE LOOKING FORMandatory : -• Prior experience as a Product Manager or Business Analyst in Indian Banking & Payment systems• Hands-on experience with Payment Switches — UPI, IMPS, and / or CBDC• 4+ years in at least one of: UPI, IMPS, CBDC domainsSkills : -• Solid understanding of the digital payments market and regulatory environment in India• Experience working with cross-functional teams — Engineering, Marketing, Sales, Design• Good grasp of Product Design, Metrics, Engineering, and Customer Support workflows• Strong aptitude, logical reasoning, and critical thinking• Excellent communication and presentation skills• Proficiency with Markdown / UML and user journey documentation• Willingness to experiment, iterate, and improve continuouslyNice to Have : -• Familiarity with CBDC-specific pilots (retail and wholesale use cases)• Experience evaluating promotional plans and go-to-market consistencyWHO YOU'LL WORK WITHInternal Teams: Sales, Development, Testing, Production Support, Marketing, Compliance, Security, Management, Project DeliveryExternal Stakeholders: RBI, Banks, NPCI, FinTechs, Clients, Partners, Service Providers, RegulatorsQUALIFICATIONS• MBA, BE / B.Tech from a Tier 1 College• Other degrees considered for candidates with strong, relevant payments domain experience• 4+ years of hands-on experience in one or more of: UPI, IMPS, CBDCWHY THIS ROLE IS EXCITINGCBDC is one of the most consequential shifts in financial infrastructure globally — and this role puts you at the centre of it. Here's what makes it unique:• End-to-end product ownership — you will touch every stage of the product lifecycle: ideation, design, execution, growth, marketing, sales, experimentation, market research, and product discovery in new markets• Dual-surface product work — you will manage both frontend consumer channels (mobile applications, wallets) and complex backend payment infrastructure, giving you rare full-stack product depth• Work on the most advanced payment functionalities being built today — Offline Payments, Cross-Border CBDC, Programmable Payments, Delegated Payments, Conditional Payments, Web3 integrations, and Loyalty ecosystems• Global scope — opportunity to explore and contribute to CBDC market expansion beyond India, working on international deployments and cross-border use cases• Direct regulatory and ecosystem exposure — you will engage with central banks, regulators, and top-tier financial institutions, building a professional network that few product roles offer• Opportunity to work with some of the best minds in the payments domain — Sarvatra is one of India's leading Payment Service Providers with 25+ years of experience and multiple industry firsts to its name, including IMPS, UPI, and CBDC• Join the undisputed leader in India's CBDC space — Sarvatra was the first and only Technology Service Provider (TSP) to be part of the design phase of CBDC in India, the first to go-live, and continues to lead across multiple advanced payment functionalities. Sarvatra's CBDC stack is a multi-award winning platform, widely regarded as best-in-class in the country
Job Title
Product Manager