Product Manager

About the Role We are looking for an experienced and regulatory-savvy Product Manager to lead the onboarding product charter for Savings Bank Accounts (SBA) and Prepaid Payment Instruments (PPI/Wallets) at Airtel Payments Bank. The ideal candidate must have prior experience in a banking or regulated fintech setup and a strong track record in building end-to-end digital KYC and onboarding journeys, including Biometric e-KYC, OTP KYC, Video KYC, and wallet onboarding (min/full KYC). This role requires a mix of product expertise, regulatory understanding, and cross-functional execution skills to build compliant, scalable, and customer-friendly onboarding experiences. Key Responsibilities • Own the end-to-end product roadmap for Savings Account and PPI Wallet onboarding across all digital and assisted channels. • Design, build, and continuously improve journeys such as: o Full KYC Savings Account Onboarding (Biometric, OTP, Paper) o Full KYC and Minimum KYC Wallet Onboarding o Face Auth / Video KYC onboarding o Re-KYC and KYC refresh journeys o Biometric e-KYC and AUA/KUA architecture o Passbook/Statement Access o Dormancy Removal/Reactivation Flows • Translate RBI, UIDAI, PPI Master Direction, and PMLA circulars into product requirements and ensure end-to-end compliance. • Work closely with compliance, legal, technology, design, ops, and business teams to ship compliant and customer-centric products. • Ensure KYC success rates, funnel conversion, onboarding time, and drop-offs are continuously monitored and optimized. • Manage the integration with UIDAI (AUA/KUA), CERSAI, CKYCR, and other onboarding ecosystem players. • Enable automation, self-serve tools, and real-time validations to reduce friction in the onboarding experience. • Represent product during internal and regulatory audits, ensuring accurate and confident articulation of processes. Candidate Profile Experience: • 58 years of experience in banking, payments, or regulated fintech. Classification | Public • Proven experience in building and scaling digital onboarding/KYC journeys. • Experience working on both Savings Account and Wallet (PPI) products preferred. Expertise: • Deep understanding of: o RBI KYC Master Directions o UIDAI AUA/KUA protocols o OTP, Biometric, and Video KYC o Wallet (PPI) guidelines and onboarding limits o Dormancy/reactivation processes • Hands-on experience in: o Designing user journeys and writing product requirement documents. o Collaborating with backend and frontend engineers. o Launching and scaling products in agile teams. Skills: • Strong communication and documentation skills – capable of translating complex compliance needs into product flows. • Analytical thinker with data-driven decision-making – ability to work with SQL/data dashboards to analyse, onboarding ,performance. • Proactive in identifying gaps, solving for edge cases, and building robust journeys across platforms (app, assisted, web, IVR, USSD).