About AndPayments
AndPayments is building the next-generation payments stack for Indian businesses, and for businesses globally that need India-grade payments infrastructure. We operate across Payments, RegTech, B2B SaaS and Prepaid Instruments. These are not separate bets. They are a deliberate stack: compliance infrastructure that enables payment products that enable financial instruments, all built together rather than bolted together.
We move fast because we have to. We care deeply about compliance because we build on regulated infrastructure, and because we believe compliance done right is a competitive moat, not just a cost of doing business. We use AI as a primary operating layer, not as a productivity add-on. If you want to spend the next few years building something that will define how Indian businesses transact, and eventually how businesses transact globally, this is where you should be.
About the role
Cards are one of the most visible and complex surfaces in payments. Every feature you build — a virtual card that a consumer provisions in seconds, a physical card that a consumer taps at checkout, a spend limit that an HR stakeholder configures without calling support — reflects product decisions that compound over time.
We are building card issuing experiences that sit on top of serious infrastructure: the lifecycle tooling, the controls layer, the integration points with card networks, processors, and device wallets. This role owns that surface entirely.
What you'll do
- Own the end-to-end product roadmap for card issuance — virtual and physical — across B2B and B2C programmes, from initial BIN setup through to cardholder-facing experiences.
- Design and ship card lifecycle management flows: card activation, blocking, suspension, replacement, and closure, with the right controls, audit trails, and compliance checks built in from the start.
- Define and build the programme configuration layer — spend controls, velocity limits, MCC restrictions, and card-level policy rules — for both corporate and consumer card programmes.
- Own card personalisation and design tooling end to end: drive network certification, define the client-facing configuration experience, and deliver a product that passes scheme requirements without reducing what clients can actually do.
- Translate card network mandates (Visa, Mastercard, RuPay) into clear, implementation-ready product specifications — including scheme rule changes, mandate timelines, and certification requirements.
- Lead device tokenisation integration across Apple Pay, Google Pay, and other wallet platforms, working closely with engineering on token lifecycle and issuer script management.
- Define the product architecture for rewards, cashback, and loyalty modules — working with third-party providers or building natively depending on programme needs.
- Own issuer fraud and risk rules configuration as a product surface: design the tooling that lets operations and compliance teams manage velocity rules, decline logic, and dispute workflows without requiring engineering every time.
- Hold BIN sponsor, card processor, and network relationships to account — own certification timelines, resolve operational blockers before they affect product delivery, and translate external SLA commitments into internal planning constraints.
- Exhibit deep understanding of unit economics associated with BIN sponsored card program.
- Define success metrics for every feature you ship and use data to make decisions about what to build next, what to kill, and what to improve.
What we're looking for
- 5+ years of product management experience, with at least 3 years in cards issuing, prepaid instruments, or a closely adjacent domain within fintech or payments.
- Deep understanding of card lifecycle management — from issuance through expiry or closure — and the compliance, operational, and technical touchpoints at each stage.
- Hands-on experience translating card network rules and scheme mandates into product specifications. You have read network operating regulations and know which parts matter.
- Strong grasp of programme configuration concepts: spend controls, BIN structures, velocity limits, and how these differ across B2B and consumer use cases.
- Hands-on experience working with globally adopted card management platforms (Fiserv, ACI, Pismo or equivalent) — you understand how to configure, extend, and build product experiences on top of these systems.
- Experience working with or alongside card processors, BIN sponsors, or TSPs (token service providers).
- Ability to write clear, precise product documentation — PRDs, API specs, and network certification checklists — without ambiguity.
- You can hold a scheme mandate in one hand and a product spec in the other, and produce something engineering can actually build. Comfort with ambiguity is table stakes here; we are specifically looking for people who can reduce ambiguity in technically complex, compliance-constrained domains.
Nice to have
- Direct experience shipping a card issuing product on Visa, Mastercard, or RuPay networks, including scheme certification involvement.
- Familiarity with device tokenisation standards (EMVCo) and the operational complexity of Apple Pay / Google Pay issuer integrations.
- Experience building or configuring issuer fraud rules, dispute management workflows, or chargebacks tooling.
- Prior startup experience — you have built things without a large team, defined processes for undefined problems, and shipped to production on tight timelines.
- Experience building for both B2B clients (corporate card programmes, expense management) and B2C cardholders within the same platform.
AI at AndPayments
AI is the primary operating layer at AndPayments. Humans supervise; AI executes the first pass on research, documentation, analysis and synthesis.
As a PM, you will be expected to use AI tools, agentic workflows, and whatever replaces them — to move faster on competitive analysis, PRD drafts, data synthesis, and experiment design. You will also be expected to exercise judgement about when the output is ready and when it needs significant revision.
We are not looking for people who avoid AI. We are also not looking for people who outsource their thinking to it. We are looking for people who have genuinely changed how they work because of AI and who remain rigorous about the quality of what they produce.
Why Join AndPayments
Cards issuing in India is at an inflection point. Tokenisation is the new standard. Businesses are finally getting access to card infrastructure that was previously only available to large enterprises with expensive processor relationships.
At AndPayments, you will own the card issuing experiences that sit on top of this infrastructure — not a small feature within a large team’s roadmap, but an entire product surface. You will have real ownership of a domain that matters, with a small team that moves fast and a compliance-first culture that means what you build will actually be used in production, at scale, by real businesses and real consumers.
What makes this different from a similar role at a larger fintech: you are not inheriting someone else’s architecture. The compliance layer, the payment product layer, and the instrument layer are being built together, which means the PM who owns cards here shapes decisions that are impossible to revisit later.
If you are the kind of person who wants to understand how all the pieces fit, not just own one of them, you will not find a better context at this stage of the market.