Paytm Payment Gateway - Business Product Manager - Risk & Compliance

About Paytm:
Paytm is India's leading mobile payments and financial services distribution company.
As a pioneer of the mobile QR payments revolution, Paytm builds technology solutions that empower small businesses with payments and commerce.
Our mission is to bring half a billion Indians into the mainstream economy through technology.
About the Team:
QR/Soundbox team is one of the biggest business and payments vertical in the organisation that is focused on merchant acquisition, merchant retention and growth of merchants in India.
Role Overview:
We are looking for a highly driven and analytical Business Product Manager - Risk & Compliance to lead product management and program execution for critical risk and compliance initiatives across our payments business.
This role will focus on defining, implementing, and optimizing risk controls, fraud prevention frameworks, chargeback management systems, transaction monitoring mechanisms, merchant risk controls, and compliance-driven product enhancements.
The ideal candidate will work closely with cross-functional teams to ensure effective risk management while maintaining business growth, merchant experience, transaction success rates, and operational efficiency.
Key Responsibilities:
- Own the roadmap for risk and compliance-related product capabilities across the payments ecosystem.
- Define and enhance risk controls across merchant onboarding, transaction processing, settlements, refunds, chargebacks, and payouts.
- Design and manage business rules for transaction limits, merchant risk controls, risk holds, fraud detection, chargeback management, transaction monitoring, and regulatory controls.
- Translate regulatory requirements, risk policies, and operational needs into scalable product solutions.
- Collaborate with Risk, Compliance, Business, Operations, and Engineering teams to define product requirements and execution plans.
- Lead end-to-end execution of risk and compliance programs from requirement gathering to production rollout.
- Partner with Fraud Risk and Data Science teams to identify emerging fraud trends and implement preventive controls.
- Monitor effectiveness of risk holds, transaction reviews, merchant monitoring, and exception handling.
- Engage with senior leadership, risk committees, and compliance teams on strategic risk initiatives.

Qualifications & Experience:
- 4 - 6 years of experience in Payments, FinTech, Banking, Risk Management, Product Management, Consulting, or related domains.
- Strong understanding of payments ecosystem, fraud prevention, chargebacks, merchant risk frameworks, and regulatory requirements in digital payments.
- Proven experience managing cross-functional product and technology initiatives.
- Strong analytical and problem-solving skills with data-driven decision-making capabilities.
- Familiarity with SQL, BI tools, analytics platforms, or risk rule engines is a plus.
- Excellent stakeholder management, communication, and project management skills.
Why Join Paytm?:
- At Paytm, you'll work at the intersection of technology, payments, and risk innovation - solving large-scale challenges that impact millions of merchants and customers across India.