Product Manager II - AI

Razorpay was founded by Shashank Kumar and Harshil Mathur in 2014. Razorpay is building a new-age digital banking hub (Neobank) for businesses in India with the mission is to enable frictionless banking and payments experiences for businesses of all shapes and sizes. What started as a B2B payments company is processing billions of dollars of payments for lakhs of businesses across India. 

Today, we’re taking this vision a step further: building intelligent, AI-driven infrastructure and experiences that simplify how businesses manage, move, and multiply money.

AI is no longer a future ambition—it’s a product superpower. At Razorpay, we're embedding AI deeply across our product ecosystem—from intelligent onboarding and fraud detection, to conversational financial insights and smart credit underwriting.

As Product Manager II – AI, you’ll be at the heart of this transformation. You will lead the charter to conceptualize and ship AI-first experiences that power Razorpay’s next generation of fintech products.

Key Responsibilities:

Own the AI Product Vision

• Define and lead the product roadmap for AI-driven capabilities across one or more verticals—e.g., Payments, Lending, Risk, Banking, etc.
• Collaborate with leadership to align AI strategy with Razorpay’s long-term product vision.

Drive AI-First Problem Solving

• Identify high-impact use cases where AI/ML can unlock efficiency, automation, or smarter decisioning.
• Work closely with Data Science, Engineering, and Design to prototype and scale these solutions.

Data with Empathy

• Blend user research, data insights, and competitive analysis to deeply understand merchant pain-points.
• Prioritize problems and solutions that balance business goals, customer outcomes, and feasibility.

Execution Excellence

• Write high-quality PRDs and own sprint planning with Engineering and DS teams.
• Manage the product lifecycle from discovery to launch to iteration.

Cross Functional Collab

• Partner with Compliance, Risk, Operations, and Business teams to embed AI thoughtfully.
• Co-create with ecosystem players where needed—e.g., AI fraud vendors, credit bureaus, etc.
• Shape GTM plans in collaboration with Product Marketing.
• Instrument performance tracking and continuously iterate based on feedback and outcomes.

What we're looking for -

• 3–6 years of product management experience, ideally in fintech or B2B SaaS.
• Deep curiosity and foundational understanding of AI/ML concepts (you don’t have to code, but you should know what a model pipeline is).
• You’ve shipped or worked on AI/ML-powered products—personalization, recommendations, chatbots, risk scoring, etc.
• Strong analytical skills, with comfort navigating ambiguity and complex systems.
• First-principles thinker who also values speed and execution.
• Ability to translate technical ideas into compelling customer value propositions.