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. 

Who We Are:

Dynamite Games is at the forefront of creating unparalleled gaming experiences for digital natives and the next generation of gamers. Our commitment to innovation and quality drives us to develop games that are not only visually stunning but also deeply engaging. Leveraging cutting-edge technology, we strive to deliver experiences that resonate with modern gamers, offering unique narratives and immersive gameplay.

What We Need:

We are looking for a Software Engineer to join our team and contribute to the development of web-based and game-related applications. You will work with modern technologies to create seamless gaming experiences, from backend infrastructure to interactive front-end features. This is an opportunity to work in an exciting, fast-paced environment where you can take ownership of projects and see your work impact the gaming world.

Key Responsibilities:

• Develop and maintain gaming-related web applications using modern frameworks like Ruby on Rails, C# .NET

• Write and optimize code in JavaScript and Python to support game-related services.

• Utilize Git for version control and collaborate with other developers to create high-quality products.

• Manage dependencies and libraries using NPM, PIP, and Ruby Gems.

• Work with SQL and NoSQL databases (MongoDB, MySQL, MSSQL) to store and manage game data efficiently.

• Develop and maintain ReactJS applications for game UI components and player engagement platforms.

• Collaborate with game designers, developers, and product managers to create interactive and engaging gaming solutions.

Who We Think Will Be A Great Fit:

• Minimum 3 years of relevant experience with Ruby on Rails is a must

• Experience with at least one of these web development frameworks (Ruby on Rails, C# .NET).

• Proficiency in JavaScript and Python for game-related scripting and web application development.

• Strong understanding of Git and version control workflows.

• Familiarity with package management tools like NPM, PIP, and Ruby Gems.

• Knowledge of SQL and NoSQL databases is a plus (MongoDB, MySQL, MSSQL).

• Experience with ReactJS or other JavaScript frameworks is a bonus.

• Background in game development or experience building gaming-related applications.

Bonus Points

You have passion in game development and are eager to learn.

You are ambitious and wanna be a part of a growing startup.

You take ownership of your work and you take pride in the products you build.

You don't care about big company politics, you care about building high quality products.

You are interested in games and want to know what's powering this billion dollar industry

About the Job

You are looking for a challenge, eager for a fast-paced startup environment that will push you out of your comfort zone, where learning happens. Most importantly, you’re a problem solver with exquisite attention to detail , unafraid to get technical to understand the root cause of an issue.

The Financial Operations team manages all customer funds across the region, ensuring that funds are placed appropriately, liquidity is managed correctly, transactions are reconciled and all manual operations to support customer fund flows are executed to an extremely high standard.

As we expand across more countries, we have developed a global offering (“Global Accounts”) for our merchants, allowing them to move funds seamlessly across currencies and leverage any of Xendit’s global services from within one dashboard. This role will be the main owner of all regional fund flows, overseeing float management, liquidity forecasting, day to day operations, cross border and FX operations. The focus will be on the strategy and management of this, while execution will primarily be done by the existing operations team.

If you can be accurate and detail-oriented under pressure, are always reliable, collaborative, and love the dynamic environment of operations, we want to hear from you. Bonus points for those who love challenging the status quo.

Minimum Qualifications

• Graduate of Management, Accounting, Finance, or a similar course, with 5-8 years of relevant experience in a start-up/fast paced environment or within the payments, fintech, or financial services spaces
• At least 3 years working in cross-border and FX operations
• Able to get your hands dirty, getting into the weeds of the operations to ensure they are done in the most efficient and effective manner
• Comfortable dealing with large datasets and data analysis
• Constantly looking to push the bar and increase standards of operations
• You have a discerning ability to prioritize workload in line with tight deadlines and work effectively under pressure
• You are a team player and communicate well with internal and external stakeholders
• You have great ownership mentality and have proven you can push towards a goal by yourself
• You pick up new skills quickly using a combination of self-exploration and relationship building
• You are detail-oriented and able to manage multiple priorities while maintaining quality work
• Detail oriented, can see patterns in data/information or notice when something is amiss
• Located in Jakarta, Bangkok, Manila or Kuala Lumpur

Preferred Qualifications

• Experience working in or dealing with banks or large financial institutions
• Experience with SQL or visualization tools (e.g. Looker)
• Experience in managing a Finance / Financial Operations team of 4-6 people
• Experience managing a geographically dispersed team

Responsibilities

Design & execute the fund management & liquidity strategy for Global Accounts operations

• Understand all fund flows, their volumes, and their liquidity requirements, in order to design the right strategy to support these operations
• Design & execute on the strategy to manage liquidity in the most operationally and cost effective manner for Xendit. Adjust strategy as needed
• Monitor funds across the region through the day to ensure correct allocation across accounts and currencies

Monitor Global Accounts & FX operations to ensure seamless execution

• Execution of Global Accounts & FX operations will be done by the existing Financial Operations team. Oversee and guide the operations to ensure that there are no errors or disruptions to merchant flows
• Create or update SOPs as required to correct operations and ensure they all follow best practices
• Address and manage any operational issues or escalations independently

Operational improvements & reporting

• Focus on the processes and tooling to enable the execution of cross border fund flows and liquidity operations
• Report on Global Accounts operations and liquidity statuses to the Financial Operations Head and to broader leadership as required
• ⁠⁠Own and drive Global Accounts & FX metrics such as efficiency and accuracy

Work closely with various internal teams to drive success

• The reconciliations of all fund flows are done by a centralised team. Work closely with this team on all Global Accounts / FX recons to ensure they have the information they need and to address any questions / unreconciled items that arise
• As the product continues to evolve, partner closely with the product team to give feedback on the product and provide FinOps’ input and requests, to ensure future builds and evolutions meet our operational requirements
• Solve complex problems by working across product, regional partnerships, treasury, compliance, sales and growth teams to ensure FinOps is able to support all aspects of our Global Accounts

Do whatever it takes to make Xendit succeed

About the Job

We are looking for a Risk Operations Analyst to perform various merchant risk management activities at Xendit, including investigation of merchant-related risk alerts, reviewing and deciding on merchant requests for activating features and channels, updating transaction privileges, responding to risk-related queries from merchants and internal and external stakeholders, and managing other fraud-related operational matters.

The role requires a strong ability to independently assess the context of the situation and alerts, and apply sound judgment to decide the right course of action. This person needs to be proactive and have the acumen to apply risk management principles in varied situations. An ability to follow the standard operating procedures, owning the tasks and cases end-to-end, and the drive to bring cases to a conclusion will be important requirements for this role.

The role will involve communication with teams across Xendit and with external partners and merchants. There will also be multiple priorities to manage. Clear and precise communication skills will be required, as well as the ability to independently craft recommendations to senior stakeholders using risk protocols and SOPs instead of seeking constant direction.

Minimum Qualifications

• 3+ years of experience in risk management, fraud investigations, or fraud-related operations
• Understanding of risk concepts and experience with common risk metrics
• Ability to conduct basic data analysis and structure the investigations in a methodical way
• Ability to understand and follow the standard operating procedures and risk protocols
• Excellent communication skills and good English language skills
• Excellent communication skills with the ability to write clear investigation summaries and communicate decisions to internal stakeholders.
• Ability to work independently, take ownership, and drive cases from detection to closure with minimal supervision
• Demonstrated ability to own the tasks and drive to a conclusion

Preferred Qualifications

• Bachelor’s degree
• Experience with risk operations and conducting fraud investigations and assessments
• Experience using SQL to query databases or leveraging tools like Looker, Databricks, and Splunk for data exploration and investigations
• Familiarity with payment products such as Virtual account, QRIS, Cards, eWallet, BNPL, and other payment products
• Strong desire to learn and agility to apply basic concepts to multiple situations

Responsibilities

• Follow SOPs and conduct fraud and credit risk investigations triggered through alerts, dispute spikes, abnormal transaction behavior, and merchant risk signals.
• Monitor merchant performance and trends to identify high-risk merchants early and take appropriate mitigating actions to reduce fraud and chargeback exposure.
• Independently coordinate with internal and external stakeholders to drive investigations to closure, ensuring clear documentation, evidence collection, and decision traceability.
• Assess requests from merchants and internal stakeholders for enabling payment channels, features, and limits by performing risk assessment and recommending controls (limits, holds, enhanced monitoring, etc.)
• Follow the SOPs and manage daily fraud operations, including coordinating with multiple bank partners, internal stakeholders, and merchants.
• Collaborate with cross-functional teams (Operations, Compliance, Support, Merchant Success) to improve risk controls, SOPs, and preventive measures.
• Do whatever it takes to make Xendit successful

About the Job

You are looking for a challenge, eager for a fast-paced startup environment that will push you out of your comfort zone, where learning happens. Most importantly, you’re a problem solver with exquisite attention to detail , unafraid to get technical to understand the root cause of an issue.

As a Financial Operations Associate, you will be part of the Financial Operations team responsible for ensuring the seamless flow of funds for the countless transactions happening on the Xendit platform daily. This role will be part of a new subteam being formed within FinOps to own reconciliations across the entire organisation, driving high impact across the region by ensuring all funds are moving as they should and we have full oversight over all movements.

If you can be accurate and detail-oriented under pressure, are always reliable, collaborative, and love the dynamic environment of operations, we want to hear from you. Bonus points for those who love challenging the status quo.

Minimum Qualifications

• Graduate of Management, Accounting, Finance, or a similar course, and 1-3 years of relevant experience in a start-up/fast paced environment or within the payments, fintech, or financial services spaces
• Excellent verbal and written communication skills in English 
• Working knowledge of Microsoft Office Suite
• You are detail oriented, can see patterns in data/information or notice when something is amiss
• Located in Jakarta, Indonesia

Preferred Qualifications

• Experience working in or dealing with banks or large financial institutions
• You have the initiative to continually ask questions and look for answers
• You have a discerning ability to prioritize workload in line with tight deadlines and work effectively under pressure
• You are a team player and communicate well with internal and external stakeholders
• You have great ownership mentality and have proven you can push towards a goal by yourself
• You pick up new skills quickly using a combination of self-exploration and relationship building
• You are a creative thinker who considers problems from a customer perspective while being pragmatic and solutions oriented when solving them
• You have fun in learning and always seeking to improve

Responsibilities

Own & execute reconciliations for Xendit’s day-to-day financial operations

• Own the reconciliation process for all Xendit products across the region, ensuring that all funds are moving as expected and Xendit does not have any exposure or incorrect transactions
• Work with the product teams on automating recons across products and the region to ensure no gaps in the process and Xendit is protected against money loss
• Have the opportunity to learn how Xendit operates from the ground up and make a real impact on the future of the organization

Coordinate with internal and external stakeholders

• Solve for unreconciled transactions by working with product, partnerships and finance to identify and resolve root causes

Set up recons for any new products

• As new products are launched and we expand to new markets, set up and own the reconciliation processes to ensure that at all points, Xendit recons are operating at best in class standards

Do whatever it takes to make Xendit succeed