Senior Product Manager

Razorpay is one of Indias 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 - weve since grown into a fintech powerhouse driving Indias 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 building AI-native agentic payments to AI-assisted fraud detection and real-time risk intelligence to automated reconciliation smart payouts and predictive financial insights we are embedding intelligence across our stack to make money movement faster safer and more close collaboration with ecosystem partners - including banks networks regulators - we are pioneering industry-first solutions that are shaping the next era of fintech

Across India Singapore and Malaysia our products span everything from seamless checkouts to payroll automation - powering a fintech ecosystem thats redefining how money moves across Asia.

Today that ecosystem supports everyone from early-stage startups to some of Indias 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 Indias 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 youre curious youll 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 youll be part of a 3000 strong team building not just products but the financial infrastructure of the future.

Senior Product Manager / Product Manager II

(SEA Expansion - International Growth)

ABOUT RAZORPAY

Razorpay is Indias leading payments and financial services platform powering over 10 million businesses from early-stage startups to Fortune 500 companies. We process >$200B annually across payment gateway payroll lending and banking products built on a relentless product-first culture.

Having established strong foundations in India we are now expanding aggressively into Southeast Asia. This is not an incremental move it is a full-scale zero-to-one market entry with a mandate to build sell and win across the regions most exciting payments markets.

We are already live in Malaysia and Singapore rapidly growing within each country and also expanding to neighbouring countries in SEA. We are also expanding in the USA.

THE OPPORTUNITY

Southeast Asia is one of the fastest-growing digital payments markets in the world fragmented underserved and ripe for a product-led challenger. We are looking for a Senior PM who thinks and acts like a founder: someone who can roll up their sleeves earn merchant trust from scratch shape the product roadmap and drive GTM all at the same time.

This is not a role for someone who wants to inherit a running playbook or looking for rules to operate. You will write the playbook. You will be equal parts product builder market strategist merchant evangelist and growth hacker. If that excites rather than intimidates you read on.

WHAT YOU WILL OWN

Zero-to-One Product Building

• Own the end-to-end product lifecycle for Razorpays SEA payments stack from discovery and scoping all the way through launch and iteration.
• Identify and validate local payment methods regulatory requirements and merchant pain points that differ materially from India and translate those into product requirements.
• Make fast high-quality decisions with incomplete information; ship MVPs instrument them learn and iterate at startup speed.
• Balance scrappiness in the short term with architectural discipline for the long term build features that work across Malaysia Singapore and beyond not just in one region.

Go-to-Market Ownership

• You are not handing off to Sales. You own the GTM narrative the positioning the launch sequencing and the feedback loop from market to product.
• Partner with BD Sales and Marketing to design merchant onboarding journeys pricing structures and segment-specific value propositions.
• Define and track product-led growth metrics activation rates integration success rates time-to-first-transaction and own the conversion funnel end-to-end.
• Represent Razorpay at merchant conversations industry events and fintech forums across the SEA region.

Merchant Intelligence & Insight Generation

• Be relentlessly in the field. Run merchant interviews shadow integrations sit in on support escalations build a ground-up picture of whats broken and whats working.
• Synthesise qualitative merchant signals with quantitative funnel data to produce insights that actually change roadmap priorities.
• Build a structured merchant advisory loop: a network of anchor merchants across verticals who you can call test with and learn from on an ongoing basis.
• Proactively surface competitive intelligence know what Stripe 2C2P PayMongo and local incumbents are doing before the business team does.

Scalable Principled Systems Thinking

• Design for the region not just one market. Every feature API contract and integration pattern you spec should be extensible globally.
• Work closely with platform and infrastructure teams in India to ensure SEA builds are first-class citizens of the Razorpay architecture not bolted-on exceptions.
• Maintain clear documentation of product decisions market-specific exceptions and the reasoning behind trade-offs so future team members can build on your work confidently.

AI-Native Product Development

• Use AI tools including coding assistants like Claude Code and Cursor to move 10x faster: write and review SQL queries prototype lightweight internal tools automate spec generation and stress-test your own PRDs.
• Embed AI-first thinking into the products you build: identify where LLMs ML models or intelligent automation can leapfrog legacy fintech approaches in SEA.
• Champion a culture of AI fluency in the SEA team set the example that PMs who can code (even a little) and leverage AI tools are the baseline not the exception.

WHO YOU ARE

Non-negotiables

• 69 years of product management experience with at least 2 years in payments fintech or financial infrastructure.
• Prior zero-to-one or 01 experience you have launched a product or entered a market from scratch not just grown an existing one.
• Be based in Singapore or Kuala Lumpur or willing to relocate. This is an in-person role with 100% work from the office / onsite.
• Deep familiarity with the SEA payments landscape: local wallets real-time payment rails (e.g. PayNow DuitNow PromptPay) acquiring ecosystems and regulatory environments.
• Extraordinary written and verbal communication you write PRDs data decks and merchant emails that are equally crisp and compelling.

Strong signals

• You have worked at a high-growth startup or payments company in SEA
• You have a working knowledge of API design SQL or scripting and you actively use AI tools (Claude ChatGPT Cursor or equivalent) to accelerate your work.
• You have personally closed or heavily influenced a major merchant partnership or enterprise deal not just supported one.
• You have managed a cross-functional squad across time zones working closely with engineers and designers based in a different country.
• You have experience with payment gateway / aggregator products: checkout flows settlement reconciliation dispute management or acquiring.

Mindset markers

• You are comfortable with ambiguity and write your own brief. You do not wait for a roadmap to arrive in your inbox.
• You have a bias for action: prototype first ask for permission later (within reason).
• You are merchant-obsessed in a practical way you get on calls ride-alongs and WhatsApp groups to understand whats really happening.
• You are comfortable being the only PM in the room and excited about it.

WHY JOIN RAZORPAY SEA

• Competitive compensation benchmarked to local market (Singapore or Malaysia) equity.
• Direct access to Razorpays Founders and Senior Leadership - decisions happen fast.
• A genuinely global problem space: multi-currency multi-regulator multi-payment-method and multi-culture in a single role.
• Access to Razorpays full product suite as a springboard payment gateway payroll embedded finance banking APIs.

HOW TO APPLY

• A short note (max 300 words) on: the single biggest gap you see in SEAs payments market today be it across SEA or very specific to Singapore and how you would approach solving it if you joined Razorpay. Be very specific.