Product Manager – Payments/Acquiring (Consultant)

About the role

What you'll do

• 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

What you'll bring

• systems work end to end — not just at the application/UI level, but across the backend
• processing stack. You'll 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.
• 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.

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.
• Skills: acquirer,product management,payment