Kreditbee - Product Manager - Digital Payments Domain
KreditBee · Bengaluru, Karnataka, India
- On site
- Full-time
- ₹1,500,000 / year
- Bengaluru, Karnataka, India
Job highlights
- Own UPI fraud prevention and transaction security roadmap.
- Design real-time fraud detection and risk systems.
- Analyze transaction data for fraud patterns.
- Collaborate with data science on risk models.
- Ensure compliance with financial regulations.
About the role
Product Manager Digital Payments Risk
KreditBee is seeking a skilled Product Manager to own the end-to-end product roadmap for UPI fraud prevention, risk control, and transaction security. This role involves designing and implementing real-time fraud detection systems, rule engines, velocity checks, and anomaly monitoring.
Responsibilities
- Analyze UPI transaction data to identify fraud patterns, emerging MO trends, mule accounts, and behavioral anomalies.
- Collaborate with data science teams to build or refine risk scoring models, fraud signals, and machine-learning based detection.
- Drive root-cause analysis on fraud incidents and implement corrective product solutions to reduce fraud losses.
- Ensure product compliance with NPCI guidelines, RBI instructions, UPI safety frameworks, and partner bank requirements.
- Work closely with engineering, operations, risk teams, and banks to deliver scalable fraud-control features.
- Deliver PRDs/BRDs, dashboards, and performance insights for fraud KPIs such as Fraud Rate, Loss %, and False Positives.
- Prioritize feature development based on fraud risk impact, user experience, and business goals.
- Monitor post-launch impact of fraud-control features and iterate rapidly using data-driven insights.
Skills and Qualifications
- Strong understanding of UPI systems, PSP/TPAP workflows, NPCI APIs, and digital payments architecture.
- Experience in fraud prevention, AML, transaction monitoring, risk management, and financial crime systems.
- Ability to analyze large transaction datasets using SQL, dashboards (Redash), and fraud-analytics tools.
- Working knowledge of risk scoring models, rule engines, behavioral biometrics, device binding, and velocity checks.
- Ability to write clear PRDs, workflows, risk rules, and detailed product specifications.
- Strong product sense with the ability to balance risk control, customer experience, and business impact.
- Excellent problem-solving, stakeholder management, and decision-making skills in high-ambiguity environments.
- Technical familiarity with APIs, data pipelines, microservices, and real-time event processing systems.
- Strong communication skills with a detail-oriented, risk-first mindset and a bias for execution.
Experience & Education
- 3-5 years experience for PM role & 5-8 years experience for SPM role.
- Experience in a fast-paced startup environment.
- B.Tech/ B.E / MCA from tier 1 / tier 2 institutes. MBA optional.
Key skills/competency
- Product Management
- Digital Payments
- UPI Fraud Prevention
- Risk Management
- Data Analysis
- SQL
- Machine Learning
- APIs
- Rule Engines
- Stakeholder Management
Skills & topics
- Product Manager
- Digital Payments
- UPI
- Fraud Prevention
- Risk Management
- Transaction Security
- Data Analysis
- SQL
- Machine Learning
- APIs
How to get hired
- Tailor your resume: Highlight your experience with UPI, digital payments, and fraud prevention, using keywords from the job description.
- Showcase your impact: Quantify your achievements in previous roles, especially those related to risk reduction and fraud prevention.
- Prepare for technical questions: Be ready to discuss your experience with SQL, risk scoring models, and real-time event processing.
- Demonstrate problem-solving: Prepare examples of how you've handled complex challenges in ambiguous environments.
- Understand KreditBee: Research the company's mission, values, and recent achievements in the fintech space.
Technical preparation
Master SQL for data analysis.,Understand UPI and payment system architecture.,Study fraud detection and risk models.,Familiarize with APIs and microservices.
Behavioral questions
Describe a complex fraud incident you resolved.,How do you balance risk and user experience?,Share an example of influencing stakeholders.,How do you prioritize features under pressure?
Frequently asked questions
- What are the key responsibilities for a Product Manager at KreditBee focusing on digital payments risk?
- As a Product Manager at KreditBee specializing in digital payments risk, you will be responsible for the end-to-end product roadmap for UPI fraud prevention, risk control, and transaction security. This includes designing detection systems, analyzing transaction data, working with data science on risk models, driving root-cause analysis, ensuring compliance with regulations like NPCI and RBI, and collaborating with various teams to deliver fraud-control features.
- What technical skills are essential for the Product Manager Digital Payments Risk role at KreditBee?
- Essential technical skills include a strong understanding of UPI systems, PSP/TPAP workflows, NPCI APIs, and digital payments architecture. Proficiency in data analysis using SQL, experience with dashboards like Redash, and familiarity with risk scoring models, rule engines, and real-time event processing systems are crucial. Technical familiarity with APIs, data pipelines, and microservices is also highly valued.
- What kind of experience is KreditBee looking for in a Product Manager candidate?
- KreditBee is looking for candidates with 3-5 years of experience for a Product Manager role (or 5-8 years for a Senior Product Manager role) with a background in fraud prevention, AML, transaction monitoring, risk management, or financial crime systems. Experience in a fast-paced startup environment is a plus. A B.Tech/B.E./MCA from a tier 1 or tier 2 institute is required, with an MBA being optional.
- How does KreditBee approach risk management and fraud prevention within its digital payment products?
- KreditBee adopts a comprehensive approach to risk management and fraud prevention by focusing on real-time detection systems, advanced analytics of transaction data, and the development of sophisticated risk scoring models. They emphasize strong collaboration with engineering, operations, and risk teams, alongside adherence to regulatory guidelines, to build robust and scalable fraud-control features that balance security with user experience and business objectives.
- What is the typical career growth path for a Product Manager at KreditBee?
- While specific paths vary, a Product Manager at KreditBee can grow into a Senior Product Manager role, taking on more complex product areas or larger strategic initiatives. Progression may also lead to leadership positions within the product management function, managing teams or overseeing broader product portfolios. The experience gained in a fast-paced fintech environment provides a strong foundation for advancement.