Product Manager — Virtual Cards
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
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Own end-to-end virtual card platform: issuance, spend controls, reconciliation, and settlement
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Talk directly to clients, TMCs, and OTAs (TBO, Yatra) to understand current workflows and pain points
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Understand and document issuing bank APIs — card creation, MCC controls, velocity limits, webhooks
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Navigate Mastercard/Visa network rules, BIN sponsorship models, chargeback and settlement cycles
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Study RBI PPI guidelines, PCI-DSS requirements, and global payment regulations relevant to travel card use cases
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Analyse how existing OTA/TMC integrations issue virtual cards and produce a detailed replacement strategy document
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Write the PRD and system architecture for Finkraft 's virtual card platform covering API design, ledgering, and fraud integration
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Select 2–3 pilot clients, define implementation scope, and drive sprint execution with the tech team
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Personally run UAT with clients and own the go-live checklist
Requirements
REQUIRED EXPERIENCE & SKILLS
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4–8 years in fintech PM, specifically in card or payment systems
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Strong understanding of card networks, BIN sponsorship, authorization flows, and settlement cycles
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Hands-on experience reading and working with issuing bank and payment gateway APIs
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Familiarity with RBI PPI master directions, PCI-DSS, KYC/AML frameworks
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Ability to produce detailed technical documents independently — PRD, system architecture, integration specs
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Experience coordinating with engineering teams on sprint planning and delivery
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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.
Originally posted on Himalayas