We have a peculiar product culture that enables us to build products that customers love. Customer-centricity, Empowerment, End-to-end ownership and Empowerment are the key pillars that enable this.

Our Product Managers are responsible for owning and driving a critical product and business problem throughout its lifecycle - identifying & prioritizing problems, solving them and designing the GTM strategy. They drive everything about their problem area - from defining the annual roadmap to running fortnightly sprints; while collaborating with internal and external stakeholders. Our PMs are empowered to make the right decisions and we encourage a culture of celebrating failures that enable us to take appropriate risks in the process. We are now looking to build the support for onboarding merchants on various storefront platforms such as Shopify, Woocommerce, Magento, etc. We want to build the easiest, fastest, most-intuitive experience for integrating with these platforms, among other things.

Roles and Responsibilities:

• Build Customer Empathy: PMs have to regularly meet and understand customer needs first-hand as well as stay on top of the customer pulse via secondary insights - both qualitative and quantitative.
• Devise Strategy: Define both long-term strategy and quarterly roadmap to achieve the product vision and create impact.
• Conceptualize new solutions: Product Conceptualization with a problem first, data-driven, and test & iterate approach. Ensures conceptualization from a platform and a long-term view. Ensures value-based prioritization of product initiatives.
• Build products: Collaborate with Engineering and ecosystem players to build products that customers love. Produce high-quality product specifications and effectively prioritize and manage the scope of each product launch to deliver products and features on time.
• Launch products: Draft and execute a go-to-market plan in conjunction with Product Marketing. Be the internal and external authority and advocate for your given area of focus.
• Ecosystem collaboration: Self-starter to collaborate closely with ecosystem players to co-build products that don’t exist.

Mandatory Qualifications:

• You understand technology, but love customer-first & business-first thinking.
• You are comfortable working hands-on in a fast-paced start-up environment.
• You are curious about metrics, execution processes, macro trends. 
• Problem-solving and detail orientation come naturally to you. 
• You have an analytical and data-driven approach in day-to-day work. Energetic self-starter with the ability to work independently in a fast-paced environment. 

The Role

As Full Stack AI Product Manager, you'll be the catalyst for AI-driven operational transformation at Razorpay. Your mission is to eliminate inefficiency and elevate quality across internal teams by solving things via AI.

This role is perfect for an AI enthusiast who thrives on experimentation. You'll march Razorpay forward in the direction of full-stack building via building or integrating video-coding stacks. And also do things that earlier wasn't just feasible.

Working directly with the CPO, Design Head and product leadership team, you'll have the unique opportunity to shape how AI transforms the product management function.

Key Responsibilities

AI Product Strategy & Vision

• Identify high-impact use cases where full-stack building is relevant.
• Explore & scale prototyping as a culture across the org.

Full Stack product building

• Internal AI Tools: Design and build productivity-multiplying tools that teams actually want to use, focusing on eliminating repetitive work and reducing time-to-completion
• Agentic Workflows: Create intelligent agents that can understand context, make decisions, and take actions across multiple platforms and data sources
• Cross-Platform Integration: Build seamless connections between various internal tools, APIs, and data sources to create unified, intelligent workflows

Hands-On building

• Rapid Prototyping: Proficiently use no-code/low-code platforms like Replit, Lovable, and Cursor to build and test functional prototypes quickly
• Understanding of UX & Design systems: Robust understanding of user experience and how design systems play a key role in the UX journey
• Engineering: Understand basics of engineering to hands-on code if needed in the POC phase and productionise these early prototypes.

Cross-Functional Collaboration

• Partner with Engineering, Data Science, Design, and Operations teams to bring full stack building to a reality and scale.
• Own a few of these e2e and then scale the GTM via the entire product & design team.
• Work with Compliance, Risk, and Legal teams to ensure AI implementations meet regulatory requirements
• Collaborate with external vendors and ecosystem partners for AI infrastructure and specialized capabilities

What We're Looking For

• Bachelor's degree in Engineering (Computer Science, Electronics, or related technical field) with 2 years of engineering experience
• Hands-on experience with design first products
• Hands-on experience building AI-powered solutions using no-code platforms (Replit, Lovable, Cursor)
• Strong analytical and problem-solving skills with comfort in rapid prototyping and iterative development

Role Summary

The Payment Platform Group is the infrastructure backbone of Razorpay — powering every payment, settlement, reconciliation, and risk decision across our merchant network, including cross-border and international transactions. As a Senior Product Manager within this group, you will own the evolution of platform capabilities that are foundational to Razorpay's reliability, efficiency, and growth at scale. This is not a consumer product role. You will be building the systems, APIs, and intelligence layers that thousands of merchants and billions of transactions depend on. The mandate is clear: make the platform faster, smarter, and more resilient — and increasingly, that means architecting for an AI-native future, where payments infrastructure is not just reactive but predictive, self-healing, and continuously optimising.

The ideal candidate brings deep technical fluency, a systems-thinking mindset, and the ability to incorporate AI not as a feature add-on, but as a foundational design principle — shaping how the platform monitors itself, handles exceptions, and enables intelligent payment experiences at scale. You will work at the intersection of infrastructure engineering, risk, compliance, and merchant experience, with full ownership of outcomes. Our product culture is built on three pillars: customer-centricity, end-to-end ownership, and bold decision-making. We hold our PMs to a high bar — define the problem precisely, back it with data, and drive to outcomes. We celebrate intelligent risk-taking and treat every failure as a learning opportunity that makes the system stronger.

Roles and Responsibilities

• Platform Strategy & AI-Native Vision: Define and own the roadmap for your platform domain. Identify where AI can be embedded into the platform's core architecture. Translate this vision into a prioritised, outcome-driven execution plan aligned to Razorpay's business objectives across domestic and international markets.
• AI-Informed Product Development: Champion AI-native thinking in platform design. This means building systems that learn from transaction patterns, flag exceptions before they escalate, and reduce manual intervention in critical payment workflows. Work with engineering to define the right architectural choices that make the platform AI-ready — not as a future aspiration, but as a current engineering standard.
• Technical Leadership: Collaborate deeply with engineering to architect scalable, decomposed platform services. Own the translation of complex technical and business requirements into crisp, actionable specifications. Manage cross-system dependencies and ensure platform changes do not compromise stability, SLA commitments, or merchant experience across any geography or payment method.
• Stakeholder Management: Serve as the primary interface between your pod and internal stakeholders — engineering, finance, compliance, risk, and merchant-facing product teams. Drive alignment across functions and ensure platform priorities reflect both business impact and operational SLA commitments.
• Problem Definition & Conceptualisation: Approach every initiative with a problem-first, data-driven lens. Ensure solutions are designed for the platform's long-term architecture, not just immediate feature delivery. Establish robust feedback loops — through operational metrics, merchant signals, and system telemetry — that allow the platform to continuously improve.
• Operational Readiness & Internal Enablement: Ensure platform capabilities are production-ready, well-documented, and adoptable by internal teams. Define rollout strategies, deprecation plans, and internal SLAs. For merchant-facing surfaces, collaborate with GTM stakeholders to drive adoption and communicate platform changes effectively.

You will be a strong fit if:

• You have experience managing platform, API, or infrastructure products — and understand what it means to own a system other teams depend on
• You have a working understanding of AI/ML concepts and can make informed product decisions about where intelligence belongs in a platform architecture — without necessarily building the models yourself
• You think in systems, not features — and naturally ask "what breaks downstream if we change this?"
• You are comfortable operating across markets and understand the nuances of multi-currency, cross-border payment infrastructure
• You are analytical and metrics-driven; you set clear success criteria before building, not after
• You are comfortable with ambiguity and can move fast without sacrificing rigour
• You have strong stakeholder instincts — you know how to align without consensus-seeking
• You have 5–8 years of product management experience, with at least 2 years in a platform, fintech, or infrastructure context

Senior Product Manager / Product Manager II

(SEA Expansion  -  International Growth)

ABOUT RAZORPAY

Razorpay is India’s leading payments and financial services platform, powering over 10 million businesses — from early-stage startups to Fortune 500 companies. We process >$200B annually across payment gateway, payroll, lending, and banking products, built on a relentless product-first culture.

Having established strong foundations in India, we are now expanding aggressively into Southeast Asia. This is not an incremental move — it is a full-scale, zero-to-one market entry with a mandate to build, sell, and win across the region’s most exciting payments markets.

We are already live in Malaysia and Singapore, rapidly growing within each country and also expanding to neighbouring countries in SEA. We are also expanding in the USA. 

THE OPPORTUNITY

Southeast Asia is one of the fastest-growing digital payments markets in the world — fragmented, underserved, and ripe for a product-led challenger. We are looking for a Senior PM who thinks and acts like a founder: someone who can roll up their sleeves, earn merchant trust from scratch, shape the product roadmap, and drive GTM — all at the same time. 

This is not a role for someone who wants to inherit a running playbook or looking for rules to operate. You will write the playbook. You will be equal parts product builder, market strategist, merchant evangelist, and growth hacker. If that excites rather than intimidates you, read on.

WHAT YOU WILL OWN

Zero-to-One Product Building

• Own the end-to-end product lifecycle for Razorpay’s SEA payments stack — from discovery and scoping all the way through launch and iteration.
• Identify and validate local payment methods, regulatory requirements, and merchant pain points that differ materially from India — and translate those into product requirements.
• Make fast, high-quality decisions with incomplete information; ship MVPs, instrument them, learn, and iterate at startup speed.
• Balance scrappiness in the short term with architectural discipline for the long term — build features that work across Malaysia, Singapore, and beyond, not just in one region. 

Go-to-Market Ownership

• You are not handing off to Sales. You own the GTM narrative, the positioning, the launch sequencing, and the feedback loop from market to product.
• Partner with BD, Sales, and Marketing to design merchant onboarding journeys, pricing structures, and segment-specific value propositions.
• Define and track product-led growth metrics — activation rates, integration success rates, time-to-first-transaction — and own the conversion funnel end-to-end.
• Represent Razorpay at merchant conversations, industry events, and fintech forums across the SEA region.

Merchant Intelligence & Insight Generation

• Be relentlessly in the field. Run merchant interviews, shadow integrations, sit in on support escalations — build a ground-up picture of what’s broken and what’s working.
• Synthesise qualitative merchant signals with quantitative funnel data to produce insights that actually change roadmap priorities.
• Build a structured merchant advisory loop: a network of anchor merchants across verticals who you can call, test with, and learn from on an ongoing basis.
• Proactively surface competitive intelligence — know what Stripe, 2C2P, PayMongo, and local incumbents are doing before the business team does.

Scalable, Principled Systems Thinking

• Design for the region, not just one market. Every feature, API contract, and integration pattern you spec should be extensible globally.
• Work closely with platform and infrastructure teams in India to ensure SEA builds are first-class citizens of the Razorpay architecture — not bolted-on exceptions.
• Maintain clear documentation of product decisions, market-specific exceptions, and the reasoning behind trade-offs, so future team members can build on your work confidently.

AI-Native Product Development

• Use AI tools — including coding assistants like Claude Code and Cursor — to move 10x faster: write and review SQL queries, prototype lightweight internal tools, automate spec generation, and stress-test your own PRDs.
• Embed AI-first thinking into the products you build: identify where LLMs, ML models, or intelligent automation can leapfrog legacy fintech approaches in SEA.
• Champion a culture of AI fluency in the SEA team — set the example that PMs who can code (even a little) and leverage AI tools are the baseline, not the exception.

WHO YOU ARE

Non-negotiables

• 6–9 years of product management experience, with at least 2 years in payments, fintech, or financial infrastructure.
• Prior zero-to-one or 0→1 experience — you have launched a product or entered a market from scratch, not just grown an existing one.
• Be based in Singapore or Kuala Lumpur, or willing to relocate. This is an in-person role, with 100% work from the office / onsite.
• Deep familiarity with the SEA payments landscape: local wallets, real-time payment rails (e.g. PayNow, DuitNow, PromptPay), acquiring ecosystems, and regulatory environments.
• Extraordinary written and verbal communication — you write PRDs, data decks, and merchant emails that are equally crisp and compelling.

Strong signals

• You have worked at a high-growth startup or payments company in SEA
• You have a working knowledge of API design, SQL, or scripting — and you actively use AI tools (Claude, ChatGPT, Cursor, or equivalent) to accelerate your work.
• You have personally closed or heavily influenced a major merchant partnership or enterprise deal, not just supported one.
• You have managed a cross-functional squad across time zones, working closely with engineers and designers based in a different country.
• You have experience with payment gateway / aggregator products: checkout flows, settlement, reconciliation, dispute management, or acquiring.

Mindset markers

• You are comfortable with ambiguity and write your own brief. You do not wait for a roadmap to arrive in your inbox.
• You have a bias for action: prototype first, ask for permission later (within reason).
• You are merchant-obsessed in a practical way — you get on calls, ride-alongs, and WhatsApp groups to understand what’s really happening.
• You are comfortable being the only PM in the room — and excited about it.

WHY JOIN RAZORPAY SEA

• Competitive compensation benchmarked to local market (Singapore or Malaysia) + equity.
• Direct access to Razorpay’s Founders and Senior Leadership - decisions happen fast.
• A genuinely global problem space: multi-currency, multi-regulator, multi-payment-method, and multi-culture in a single role.
• Access to Razorpay’s full product suite as a springboard — payment gateway, payroll, embedded finance, banking APIs.

HOW TO APPLY

• A short note (max 300 words) on: the single biggest gap you see in SEA’s payments market today, be it across SEA or very specific to Singapore, and how you would approach solving it if you joined Razorpay. Be very specific. 

About the Role :

1. Zero-to-One Product Building

• Own the end-to-end product lifecycle for Razorpay’s SEA payments stack — from discovery and scoping all the way through launch and iteration.
• Identify and validate local payment methods, regulatory requirements, and merchant pain points that differ materially from India — and translate those into product requirements.
• Make fast, high-quality decisions with incomplete information; ship MVPs, instrument them, learn, and iterate at startup speed.
• Balance scrappiness in the short term with architectural discipline for the long term — build features that work across Malaysia, Singapore, and beyond, not just in one region. 

1. Go-to-Market Ownership

• You are not handing off to Sales. You own the GTM narrative, the positioning, the launch sequencing, and the feedback loop from market to product.
• Partner with BD, Sales, and Marketing to design merchant onboarding journeys, pricing structures, and segment-specific value propositions.
• Define and track product-led growth metrics — activation rates, integration success rates, time-to-first-transaction — and own the conversion funnel end-to-end.
• Represent Razorpay at merchant conversations, industry events, and fintech forums across the SEA region.

1. Merchant Intelligence & Insight Generation

• Be relentlessly in the field. Run merchant interviews, shadow integrations, sit in on support escalations — build a ground-up picture of what’s broken and what’s working.
• Synthesise qualitative merchant signals with quantitative funnel data to produce insights that actually change roadmap priorities.
• Build a structured merchant advisory loop: a network of anchor merchants across verticals who you can call, test with, and learn from on an ongoing basis.
• Proactively surface competitive intelligence — know what Stripe, 2C2P, PayMongo, and local incumbents are doing before the business team does.

1. Scalable, Principled Systems Thinking

• Design for the region, not just one market. Every feature, API contract, and integration pattern you spec should be extensible globally.
• Work closely with platform and infrastructure teams in India to ensure SEA builds are first-class citizens of the Razorpay architecture — not bolted-on exceptions.
• Maintain clear documentation of product decisions, market-specific exceptions, and the reasoning behind trade-offs, so future team members can build on your work confidently.

1. AI-Native Product Development

• Use AI tools — including coding assistants like Claude Code and Cursor — to move 10x faster: write and review SQL queries, prototype lightweight internal tools, automate spec generation, and stress-test your own PRDs.
• Embed AI-first thinking into the products you build: identify where LLMs, ML models, or intelligent automation can leapfrog legacy fintech approaches in SEA.
• Champion a culture of AI fluency in the SEA team — set the example that PMs who can code (even a little) and leverage AI tools are the baseline, not the exception.

What we are looking for : 

Non-negotiables

• 6–9 years of product management experience, with at least 2 years in payments, fintech, or financial infrastructure.
• Prior zero-to-one or 0→1 experience — you have launched a product or entered a market from scratch, not just grown an existing one.
• Be based in Singapore (must already hold a valid right to work — EP / PR / citizen; Razorpay does not sponsor visas in Singapore) or Kuala Lumpur, or willing to relocate. This is an in-person role, with 100% work from office/ customer site.
• Deep familiarity with the SEA payments landscape: local wallets, real-time payment rails (e.g. PayNow, DuitNow, PromptPay), acquiring ecosystems, and regulatory environments.
• Extraordinary written and verbal communication — you write PRDs, data decks, and merchant emails that are equally crisp and compelling.

Strong signals

• You have worked at a high-growth startup or payments company in SEA (Grab Financial, Xendit, GoTo, Stripe, Nium, Adyen, or similar).
• You have a working knowledge of API design, SQL, or scripting — and you actively use AI tools (Claude, ChatGPT, Cursor, or equivalent) to accelerate your work.
• You have personally closed or heavily influenced a major merchant partnership or enterprise deal, not just supported one.
• You have managed a cross-functional squad across time zones, working closely with engineers and designers based in a different country.
• You have experience with payment gateway / aggregator products: checkout flows, settlement, reconciliation, dispute management, or acquiring.

Mindset markers

• You are comfortable with ambiguity and write your own brief. You do not wait for a roadmap to arrive in your inbox.
• You have a bias for action: prototype first, ask for permission later (within reason).
• You are merchant-obsessed in a practical way — you get on calls, ride-alongs, and WhatsApp groups to understand what’s really happening.
• You are comfortable being the only PM in the room — and excited about it.

Role Summary

Most engineers, PMs & designers use AI. Few are AI-native. We're hiring the latter and looking for someone who can drive things end-to-end (discovery to conceptualisation to design to building to driving adoption) for a given canvas.Own a product or a feature end-to-end. Scope the problem, build the solution, ship it to users. Flex between frontend and backend based on what the problem needs, not your title. Work on 0→1 projects with real autonomy. Be part of Razorpay's AI transformation at scale and define the journey.

You Know Who You Are

You have deep expertise across the building journey: 

1. Customer backward thinking
2. Product solutioning
3. Prototyping & designing
4. Building & taking products live
5. Taking solutions to market, driving adoption & measuring impact

You also exhibit good competence in the others. In past roles, you've juggled multiple hats. You've been using AI tools for over a year—Claude Code or Cursor is your default environment, not a novelty. You orchestrate agents, build with skills and MCPs. AI assistance is muscle memory. You're a polyglot—picking up new stacks fast because AI handles the ramp. Discovering & solving customer problems gives joy to you.

You will be a good fit if you bring

• Product sense: you ask "why" before "how"
• 3-6 years building software as technical PM, user focussed product engineer
• Deep expertise in one domain + breadth across others
• Should be able to read code, fix CI/CD configurations if needed
• Track record of shipping, not just building

You will not be a good fit if you 

You need detailed specs handed to you. You prefer deep specialization over breadth. You're uncomfortable with ambiguity. You optimize for code elegance over customer outcomes. You still thrive living in a 2 week sprint.