Product Manager II

Razorpay is one of India’s leading full-stack financial technology companies, powering the way businesses move, manage, and grow money. Founded in 2014 by Harshil Mathur and Shashank Kumar with a simple vision - to simplify payments for Indian businesses - we’ve since grown into a fintech powerhouse driving India’s digital payment revolution.

Razorpay powers millions of businesses with a smarter, scalable stack that goes beyond transactions to help them truly build and grow.

From building AI-native agentic payments, to AI-assisted fraud detection and real-time risk intelligence to automated reconciliation, smart payouts, and predictive financial insights, we are embedding intelligence across our stack to make money movement faster, safer, and more efficient. In close collaboration with ecosystem partners - including banks, networks, regulators - we are pioneering industry-first solutions that are shaping the next era of fintech

Across India, Singapore and Malaysia, our products span everything from seamless checkouts to payroll automation - powering a fintech ecosystem that’s redefining how money moves across Asia.

Today, that ecosystem supports everyone from early-stage startups to some of India’s largest enterprises, enabling them to accept, process, and disburse payments at scale while expanding into new ways of managing money more efficiently.

Our scale speaks volumes: Razorpay processes $180+ billion in annualized transactions, powering leading businesses like Airbnb, Facebook, WhatsApp, Airtel, CRED, BookmyShow, Zomato, Swiggy, Lenskart, Mirae Asset Capital markets, Indian Oil, National Pension Scheme - and over 100 of India’s unicorns. With strong roots in India and growing operations in Southeast Asia, we are shaping the next chapter of financial technology across the region.

We are backed by global investors including GIC, Peak XV Partners (formerly Sequoia Capital India & SEA), Tiger Global, Ribbit Capital, Matrix Partners, MasterCard, and Salesforce Ventures, having raised over $740 million to date. Strategic acquisitions - including Ezetap (POS and offline payments), Curlec (Malaysia expansion), BillMe (digital invoicing), and POP (rewards-first UPI) - along with earlier moves in fraud prevention, payroll, and lending, have further strengthened our platform and widened our footprint across Asia.

But what truly sets Razorpay apart is our culture. At Razorpay, ownership is our oxygen - you own what you build, with no micromanagement or red tape, just the runway to make your ideas fly. Learning is a lifestyle - if you’re curious, you’ll feel at home here. People > Pedigree - we hire for attitude, hustle, and hunger more than degrees. Transparency thrives over titles - this is where interns question CXOs and CXOs say “thank you.” Guided by our values of Customer First, Autonomy & Ownership, Agility with Integrity, Transparency, Challenging the status quo and a strong belief that Razorpay grows with Razors, you’ll be part of a 3000+ strong team building not just products, but the financial infrastructure of the future.

• About Razorpay
• Razorpay is India's leading payments and financial services platform, founded in 2014 by Harshil Mathur and Shashank Kumar. We help businesses of every size accept, process and disburse payments at scale, and we have been first to market with most major payments innovations in India.

Having built strong foundations in India, we now operate in Malaysia, Singapore and the US, and are expanding into new markets. International Payments (i18n) takes Razorpay's products into these markets: local payment methods, cross-border flows, and the partnerships with banks, wallets and schemes that make them work. Much of this is 0 to 1 work.

• The role
• You will own an international market end to end: deciding what to build, building it with engineering, taking it to merchants, and growing it. There is no running playbook to inherit. You will write it.

This is a builder role as much as a product role. In a new market, Razorpay has no brand recall and few relationships, so you will open doors yourself: reach out to merchants, banks, wallets and partners, earn their trust from scratch, and turn those conversations into products they adopt.

What you will own

External stakeholder management, 0 to 1

Build relationships from scratch with merchants, banks, acquirers, wallets and ecosystem partners in a market where Razorpay is new.

Reach out first: identify the right partners and anchor merchants, approach them directly, and get the first meetings.

Earn trust through follow-through: run pilots, close the loop on feedback, and turn early adopters into references.

Represent Razorpay in merchant meetings, partner negotiations, regulator and scheme conversations, and industry events.

Travel extensively to be in market with customers and partners.

Strategy

Define the long-term strategy and quarterly roadmap for your market, tied to GMV, active merchants and success rate.

Size the opportunity, pick the segments and payment methods to win first, and decide what not to do.

Track the competitive landscape, local and global, and adjust the plan as the market moves.

Product sense and 0 to 1 building

Meet customers regularly and back their needs with qualitative and quantitative data.

Start from the problem: frame it with data, test and iterate, and prioritise by value.

Translate local payment methods, regulation and merchant pain points into clear product requirements.

Write high-quality specs, manage scope, and ship MVPs on time with engineering, design and partners.

Design for the platform, so what works in one market extends to the next.

Go-to-market

Own the GTM plan with Product Marketing, Sales and Partnerships: positioning, pricing, onboarding and launch sequencing.

Track activation, integration success and time-to-first-transaction, and own the funnel from first meeting to live merchant.

AI leverage

Use AI tools such as Claude, Claude Code and Cursor to write SQL, analyse data, prototype tools, and draft and stress-test PRDs.

Look for places where AI can make the product better for merchants, and help set the bar for AI fluency in the team.

Must have

5 to 6 years of product management experience, with at least 1 year in payments, fintech or financial infrastructure.

Proven 0 to 1 external stakeholder management: you have built a relationship with a merchant, partner or bank from first contact to a live deal or launch, not only supported one.

Comfort approaching people cold: you will pick up the phone, send the first email and walk into the first meeting.

Willingness to travel extensively and work in person with customers and partners abroad.

Strong product sense: you start from the customer problem and back decisions with data.

Clear written and verbal communication: your PRDs, decks and merchant emails are crisp and persuasive.

Hands-on use of AI tools in your daily work.

Strong signals

You have launched a product or entered a market from scratch, not only grown an existing one.

Experience with payment gateway or acquiring products: checkout, local payment methods, settlement, reconciliation or disputes.

Working knowledge of APIs, SQL or scripting.

You have worked with teams across time zones and cultures.

Mindset

Comfortable with ambiguity; you write your own brief.

Bias toward action: prototype first, refine with real feedback.

Customer-obsessed in practice: you get on calls, visit merchants and learn what is really happening.

Happy being the only PM in the room.

Why join

A greenfield mandate: build a market for Razorpay from the ground up, with rare autonomy.

A proven platform behind you: India's most tested payments infrastructure.

A global problem space: multiple currencies, regulators, payment methods and cultures in one role.

An AI-first culture, where PMs who build and ship faster with AI are t