Product Manager - Payments/Acquiring (Consultant)
Art Technology and Software · Remote · remote · Posted 42d ago
Undisclosed4–8 yrsfulltimeSourced from
About a minute. You'll make an account on the way through.
About this role
Product Manager - Payments/Acquiring
About the RoleWere looking for a Product Manager who deeply understands how acquirer
systems work end to end - not just at the application/UI level, but across the backend
processing stack. Youll own the product lifecycle for our acquiring platform, working
closely with engineering, compliance, risk, and merchant/partner teams to build and evolve
systems that handle real money movement at scale.
Key Responsibilities
- Own the product roadmap across the full acquiring stack - merchant onboarding,
authorization, transaction processing, clearing, settlement, reconciliation, and
chargebacks/disputes.
- Get into the technical weeds: understand message flows (ISO 8583/20022),
switch/routing logic, ledger and settlement engines, and how transactions move
between merchant, acquirer, network, and issuer.
- Own and drive requirements around clearing file generation - including Base II
(Visa) clearing files and Mastercard, Amex clearing files - with a solid grasp of file
structures, record types, and data elements within these scheme files.
- Translate scheme (Visa/Mastercard/RuPay etc.), network, and regulatory
requirements into detailed backend and system-level product specs.
- Partner closely with engineering on system architecture decisions - not just feature
requests - for authorization, capture, clearing, settlement, and refund flows.
- Work with risk and compliance teams on underwriting, fraud, and dispute
management workflows, understanding the backend systems that power them.
- Define and track product/system metrics - approval rates, settlement TAT,
reconciliation breaks, dispute ratios, system latency and uptime.
- Manage relationships with card networks, banking partners, and processors, including
technical/integration discussions on clearing and settlement file exchange.
Requirements
- 4-8 years of Product Management experience with genuine end-to-end exposure to
acquirer systems - able to speak fluently about both the merchant-facing product and
what happens underneath it (switching, ledgers, clearing, settlement, reconciliation).
- Strong knowledge of Visa and Mastercard clearing and settlement files from the
acquirer side, including Base II clearing file generation and Mastercard clearing file
formats, along with the specific data elements/fields within these scheme files (TCR
record structures, data element numbers, mandatory vs. conditional fields, etc.).
- Strong working knowledge of payment message flows and protocols (ISO
8583/20022), authorization / clearing / settlement cycles, and how acquiring processors
integrate with networks and issuers.
- Comfortable reading system/API specs and scheme file specifications, and discussing
architecture trade-offs directly with engineering - this is not a purely front-end/UX
facing PM role.
- Familiarity with card network rules, PCI-DSS, and payment compliance frameworks.
- Strong analytical skills; comfortable working with data and logs to debug transaction,
clearing, and reconciliation issues.
- Excellent stakeholder management across technical and non-technical teams.
- Hands-on experience troubleshooting or reconciling Base II / Mastercard clearing file
mismatches or settlement breaks.
Nice to Have
- Prior experience at a payment aggregator, acquirer, or acquiring bank in a role with
direct exposure to backend clearing/settlement processing systems.
- Exposure to international payment schemes and cross-border settlement.
- Background in engineering or systems design before moving into product.
Disclaimer: This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.
Sourced from naukri
Skills
Merchant onboardinganalytical thinkingSystem architectureDssProduct Roadmapproduct managerSwitchingBankingDebugOnboardingArchitectureStakeholder ManagementcomplianceProduct ManagementSystem DesignLedger
About Art Technology and Software
Art Technology and Software
IT Services & Consulting
484
employees
2003
23 years old
Kochi, Kerala
JP
₹10.6L PA avg
Avg at Art Technology and Software
About
Art Technology and Software is a reliable digital transformation company with a successful track record across Artificial Intelligence, Data Analytics, and Digital Transformation. With 20+ years of excellence, 1000+ successful projects, and customers in 20+ countries, we help organizations innovate at scale and deliver measurable business outcomes.We specialize in AI consulting, AI model building, bespoke AI solutions, and LLM (Large Language Model) integration and tuning to develop intelligent, business-oriented systems. From architecting sophisticated Gen AI applications to creating AI agents, we assist companies in opening new streams of revenue, automating sophisticated workflows, and providing more intelligent, personalized customer experiences.Coupled with our AI leadership, we offer Digital Engineering and Cloud Consulting solutions that fuel end-to-end modernization. Our services include application and legacy system modernization, product ideation, app development, DevSecOps, API management, platform migration, low-code development, ERP/CRM/ITSM implementations and IoT services.Our cloud solutions deliver agility and scalability through cloud strategy, migration, cloud-native application development, managed services, cost optimization, scaling, and private cloud deployments.We offer service desks, managed IT services, L1–L3 support, network operations centers, application support, service monitoring, and back-office-as-a-service through Intelligent Operations.At Art, our extensive AI experience paired with delivery excellence globally helps organizations redefine opportunities, accelerate innovation, and drive sustainable growth in the smart digital economy of today.
Industries
IT Services & ConsultingAnalytics & KPOFinTechEmerging Technologies
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