Senior Product Manager - KYC Platform

About the role

What you'll do

• As the Senior Product Manager for KYC Platform at PayU Finance, you will own the end-to-end Know Your Customer (KYC) infrastructure that underpins every lending product we operate — LazyPay consumer credit, merchant lending, BNPL, co-lending, and future lines of business. This is a platform role, not a product feature role. You will think in systems: designing scalable, partner-agnostic KYC journeys that can be configured, extended, and reused across business units. You will work closely with Compliance, Legal, Engineering, Data, and external partners including KYC bureaus, video-KYC vendors, DigiLocker, UIDAI, and banking correspondents. You will set the gold standard for compliant, frictionless onboarding at PayU Finance.
• WHAT YOU WILL DO
• Define and own the KYC Platform roadmap: design a modular, API-first KYC platform that serves all internal business units as internal consumers — eliminating duplication and enabling faster product launches.
• Drive platform thinking: abstract KYC flows into reusable components (identity verification, liveness, document parsing, de-dup, risk flagging) and define clear platform contracts for product teams to build on.
• Lead partner integration strategy: evaluate, onboard, and manage integrations with KYC vendors (CKYC, video-KYC, DigiLocker, UIDAI, PAN validation, face-match), negotiate SLAs, and own fallback logic.
• Translate regulatory requirements into product specs: work alongside Compliance and Legal to convert RBI, PMLA, and FATF guidelines into product requirements — including re-KYC cycles, audit trail design, and data retention policies.
• Build with data: define KYC funnel metrics, drop-off analytics, and fraud signals. Use data to reduce onboarding friction while maintaining regulatory thresholds. Continuously A/B test and iterate on the onboarding journey.
• Enable developer experience: define clear API specifications, documentation, and sandbox environments so product and engineering teams across PayU Finance can self-serve on KYC without ad-hoc requests.
• Plan for scale and longevity: architect KYC flows that can handle 10x volume, support new product lines (UPI credit, co-lending, embedded finance), and adapt to evolving RBI regulations without re-engineering from scratch.
• Drive governance: own the KYC health dashboard — approval rates, STP rates, failure categorisation, re-KYC compliance, audit readiness — and present to senior leadership and regulators.
• WHAT WE ARE LOOKING FOR
• Platform product experience: 6–9 years in product management with at least 2–3 years owning a platform or infrastructure product — ideally in fintech, payments, or financial services.

Nice to have

• Experience in KYC/AML domain — CKYC, V-CIP, DigiLocker, UIDAI API integrations
• Knowledge of lending workflows: loan origination, credit bureau pulls, underwriting triggers
• Exposure to co-lending or white-label lending platforms
• Familiarity with PMLA, RBI Master Directions on KYC (2016, as updated), and FATF guidelines
• Experience with identity fraud detection, liveness check providers, or device intelligence
• WHY PAYU FINANCE?
• Own a platform product that will directly power India's next wave of digital credit — from consumer to merchant to embedded finance
• Work at the intersection of product, compliance, and engineering in one of India's most complex regulatory environments