Senior Product Manager - KYC Platform
- Location
- Mumbai
- Work mode
- On-site
- Employment type
- Full-time
About the job
Senior Product Manager — KYC Platform Build the onboarding backbone that powers every credit product PayU Finance owns.
ABOUT PAYU FINANCE INDIA
PayU Finance India Limited is one of India's fastest-growing digital lending businesses, operating at the intersection of payments, credit, and technology. Through our flagship consumer product LazyPay and a rapidly expanding suite of merchant lending solutions, we serve millions of Indians with instant, responsible credit — making financial access simple, fair, and digital-first. We are building the credit infrastructure for the next 500 million Indians. As a regulated NBFC backed by Prosus, one of the world's largest technology investors, we combine the agility of a startup with the governance of a regulated financial institution. Our teams solve hard problems in underwriting, platform engineering, compliance, and product — at scale, in real time. ABOUT THE ROLE
As the Senior Product Manager for KYC Platform at PayU Finance, you will own the end-to-end Know Your Customer (KYC) infrastructure that underpins every lending product we operate — LazyPay consumer credit, merchant lending, BNPL, co-lending, and future lines of business. This is a platform role, not a product feature role. You will think in systems: designing scalable, partner-agnostic KYC journeys that can be configured, extended, and reused across business units. You will work closely with Compliance, Legal, Engineering, Data, and external partners including KYC bureaus, video-KYC vendors, DigiLocker, UIDAI, and banking correspondents. You will set the gold standard for compliant, frictionless onboarding at PayU Finance. WHAT YOU WILL DO
- Define and own the KYC Platform roadmap: design a modular, API-first KYC platform that serves all internal business units as internal consumers — eliminating duplication and enabling faster product launches.
- Drive platform thinking: abstract KYC flows into reusable components (identity verification, liveness, document parsing, de-dup, risk flagging) and define clear platform contracts for product teams to build on.
- Lead partner integration strategy: evaluate, onboard, and manage integrations with KYC vendors (CKYC, video-KYC, DigiLocker, UIDAI, PAN validation, face-match), negotiate SLAs, and own fallback logic.
- Translate regulatory requirements into product specs: work alongside Compliance and Legal to convert RBI, PMLA, and FATF guidelines into product requirements — including re-KYC cycles, audit trail design, and data retention policies.
- Build with data: define KYC funnel metrics, drop-off analytics, and fraud signals. Use data to reduce onboarding friction while maintaining regulatory thresholds. Continuously A/B test and iterate on the onboarding journey.
- Enable developer experience: define clear API specifications, documentation, and sandbox environments so product and engineering teams across PayU Finance can self-serve on KYC without ad-hoc requests.
- Plan for scale and longevity: architect KYC flows that can handle 10x volume, support new product lines (UPI credit, co-lending, embedded finance), and adapt to evolving RBI regulations without re-engineering from scratch.
- Drive governance: own the KYC health dashboard — approval rates, STP rates, failure categorisation, re-KYC compliance, audit readiness — and present to senior leadership and regulators.
WHAT WE ARE LOOKING FOR
- Platform product experience: 6–9 years in product management with at least 2–3 years owning a platform or infrastructure product — ideally in fintech, payments, or financial services.
- Regulated entity experience: hands-on experience working within an RBI-regulated NBFC, bank, or payment aggregator — you understand what compliance means when there is a penalty for getting it wrong.
- Technical depth: you can read API documentation, review a system design, and hold your own in an engineering discussion. You understand OAuth flows, webhook architectures, and data pipelines.
- Data-driven mindset: you define success with metrics before you build. You are comfortable running SQL queries, interpreting funnel analytics, and building the business case from data.
- Partner management: you have experience evaluating and onboarding third-party vendors, writing integration requirement documents, and managing SLA accountability.
- Long-term systems thinking: you do not build for the next quarter — you design for the next three years. You document architectural decisions and think about backward compatibility, versioning, and deprecation.
- Communication: you can write a one-pager that makes a compliance officer and an engineer agree on priorities. You communicate clearly, escalate appropriately, and drive alignment without authority.
GOOD TO HAVE
- Experience in KYC/AML domain — CKYC, V-CIP, DigiLocker, UIDAI API integrations
- Knowledge of lending workflows: loan origination, credit bureau pulls, underwriting triggers
- Exposure to co-lending or white-label lending platforms
- Familiarity with PMLA, RBI Master Directions on KYC (2016, as updated), and FATF guidelines
- Experience with identity fraud detection, liveness check providers, or device intelligence
WHY PAYU FINANCE?
- Own a platform product that will directly power India's next wave of digital credit — from consumer to merchant to embedded finance
- Work at the intersection of product, compliance, and engineering in one of India's most complex regulatory environments
- Build from the ground up — this role has significant greenfield opportunity to set the architecture, not just maintain it
- Be part of a Prosus-backed, profitable business with the scale of a large company and the decision-making speed of a startup
From Payu India Settlement And Processing's careers page (Company careers page), checked 4 Nov 2026.
How to apply
- Select Apply on payu.in. It opens Payu India Settlement And Processing's own application form in a new tab, run on Company careers page.
- Fill in the form and upload your résumé there. Jobiwork never sees your application.
- Payu India Settlement And Processing will reply to you directly. No real employer asks you for money to apply.
Posted 3 Nov 2026 · checked 4 Nov 2026 · Report this job