Product Manager II - SME Payments

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 seamless checkouts to payroll automation, across India, Singapore, and Malaysia, we’ve been engineering a fintech ecosystem that’s redefining how money moves across Asia — and we’re just getting started. 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.

The Role:

We are looking to hire a PM II for the SME payments - New Initiatives. This is a role for someone who thinks AI-first — not as a feature to bolt on, but as a foundational lens for how products are conceived, built, and scaled.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.

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 Product 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 have 4 - 7 years of experience in Product Management.
• You have hands-on experience with tools like Replit, Lovable, ClaudeCode etc.
• 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.

Razorpay believes in and follows an equal employment opportunity policy that doesnt discriminate on gender, religion, sexual orientation, colour, nationality, age, etc. We welcome interests and applications from all groups and communities across the globe.