About CheQ At CheQ, we’re turning the chaos of credit into a journey that’s clear, rewarding, and even a little fun. With ₹80,000 Cr+ in lifetime payments, a growing tribe of users (30%+ using more than two products), and $16M raised from marquee investors, we’re fast becoming India’s favorite way to go from credit-stressed to credit-smart. Founded by ex-Flipkart leader Aditya Soni and backed by 3one4 Capital, Venture Highway, Ram Shriram, Lloyd Mathias and more, CheQ isn’t just another fintech, it’s a full-stack credit experience About the Role We are looking for a Product Manager to own and scale our UPI Third-Party Application Provider (TPAP) journey. You will be responsible for driving the end-to-end UPI product experience — onboarding, payment flows, reliability, and growth — while working closely with our PSP bank partners and staying aligned with NPCI's evolving rules and guidelines. This is a high-ownership role for someone who wants to build a payment product used by millions of users every day. What You'll Do • Own the end-to-end UPI TPAP product journey — VPA creation, device binding, UPI registration/onboarding, mandate/autopay, collect & pay flows, and transaction lifecycle management. • Define and drive the product roadmap for scaling UPI as a TPAP, balancing user experience, compliance, and business metrics (success rate, activation, retention). • Track and implement NPCI circulars, guidelines, and API version updates (UPI 2.0, UPI Lite, UPI Lite X, Credit Line on UPI, AutoPay, RuPay Credit on UPI, etc.) — translating regulatory/technical changes into product and engineering requirements. • Own product metrics such as transaction success rate (TSR), latency, decline/failure analysis, and NPCI-mandated SLAs; work with engineering and ops to improve them. • Write detailed PRDs, user stories, and flows; work with design and engineering to ship features. • Drive UAT, certification testing with NPCI/PSP, and manage go-live checklists for new features or PSP bank additions. • Analyze transaction and funnel data to identify drop-offs, fraud patterns, and growth opportunities across the UPI stack. • Collaborate with risk, compliance, and customer support teams to ensure grievance redressal, chargeback, and dispute management flows meet NPCI TAT requirements. • Liaise with external stakeholders — NPCI, PSP banks, payment aggregators — to unblock issues and represent product interests in ecosystem forums. What We're Looking For • 2–4 years of product management experience, with meaningful exposure to building or scaling a UPI TPAP product (fintech, banking, or payments company). • Strong working knowledge of the UPI ecosystem — NPCI, PSP, TPAP roles, transaction flows (P2P, P2M, collect, intent, QR), and the UPI switch architecture. • Familiarity with NPCI guidelines and circulars — onboarding requirements, transaction limits, security protocols, and compliance mandates for TPAPs. • Proven experience shipping payment products end-to-end — from PRD to launch to post-launch iteration. • Comfort with data — able to define metrics, analyze funnels (SQL/Excel proficiency preferred), and make data-backed prioritization calls. • Experience working with PSP banks or NPCI-facing integrations/certifications is a strong plus. • Excellent stakeholder management skills — you'll coordinate across engineering, design, compliance, risk, and external banking/NPCI partners. • Strong written communication for PRDs, NPCI documentation responses, and cross-team alignment. • Bachelor's degree in Engineering, Technology, or related field; MBA is a plus but not mandatory. Good to Have • Exposure to UPI Lite, UPI AutoPay/Mandates, Credit Line on UPI, or UPI International. • Understanding of payment risk, fraud detection, and chargeback/dispute mechanisms in UPI. • Prior experience at a fintech app, payment aggregator, PSP bank, or NPCI-linked organization. Why you should join CheQ? You own it, we trust you Shape your work with freedom, deliver with ownership, backed by trust Bold, fast & human We push boundaries together, and deliver with agility, rigor, and heart. Always looking out for one another. Growth by osmosis Learn directly from a stellar leadership team with rich, diverse backgrounds. What you will not get Monotony → Work is dynamic, expect variety every day. Slow climbs → Growth here is about leaps, not ladders. Layers of red tape → We believe in speed, not bureaucracy.