Product Manager II - AI

Razorpay is one of India’s 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 — we’ve since grown into a fintech powerhouse driving India’s 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 seamless checkouts to payroll automation, across India, Singapore, and Malaysia, we’ve been engineering a fintech ecosystem that’s redefining how money moves across Asia — and we’re just getting started.

Today, that ecosystem supports everyone from early-stage startups to some of India’s 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 India’s 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 you’re curious, you’ll 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,  you’ll be part of a 3000+ strong team building not just products, but the financial infrastructure of the future.

The Role - 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 -

• 4–6 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.