As a Product Manager-Micro ATM at a scheduled commercial bank in the Digital & Alternative Banking Division, your role will involve driving the strategic vision, execution, and profitability of the Micro ATM product line. You will play a crucial role in managing transaction growth, overseeing large-scale projects, ensuring technological robustness, and maintaining compliance within the dynamic payments landscape, focusing on key segments like AEPS and BBPS. Acting as the primary bridge between Business/Sales, Technology, and external vendors/regulators, your responsibilities will be structured around four primary pillars of accountability:
**Project Management & Vendor Deployment**:
Lead end-to-end onboarding, integration, and performance management of Micro ATM and switching vendors, including due diligence and compliance checks. - Drive necessary certifications with NPCI and other regulatory bodies for product launch readiness and operational continuity. - Manage major product rollout projects, ensuring timely execution, budget adherence, and successful completion across the BC network, agent channels, and bank branches. - Strategically oversee the extensive rollout and inventory of Micro ATM devices to optimize distribution and activation rates. - **Product Strategy & Technology Management**:
Develop a strong knowledge base on the Micro ATM market, competitive landscape, device technology trends, and consumer behavior to identify growth opportunities. - Define and own the multi-year product roadmap, prioritize features based on business value, customer feedback, and technology feasibility. - Utilize functional knowledge of Card Transactions, AEPS, and BBPS to design compliant solutions. - Oversee core technical elements, including API integrations, Switch capabilities, and the APK build and deployment process. - **Operations, Performance & Profitability**:
Continuously monitor and analyze Micro ATM transaction volumes, success rates, and operational performance to maximize uptime and efficiency. - Manage the product P&L, optimize unit economics and profitability through pricing, scheme fees, and cost management. - Act as the primary point of contact for product-related escalations and critical project queries. - Identify and champion enhancements for increased transaction velocity and operational efficiency. - **Compliance, Audit & Risk Management**:
Implement internal policies and external regulatory projects related to the Micro ATM and overall payments ecosystem. - Proactively identify and mitigate operational, fraud, and compliance risks. - Ensure audit-ready processes, vendor controls, and compliance with regulatory frameworks. Your major responsibilities will include monitoring Micro ATM transaction growth and profitability, leading NPCI certification, managing technology and deployment projects, executing the product roadmap, and liaising between Sales, Technology, and Operations teams. Key Competencies required for this role include a deep understanding of the Indian payments ecosystem, hands-on knowledge of API architecture and payment switch logic, exceptional project management skills, strong analytical capabilities, and excellent communication and negotiation skills to manage diverse stakeholders effectively. As a Product Manager-Micro ATM at a scheduled commercial bank in the Digital & Alternative Banking Division, your role will involve driving the strategic vision, execution, and profitability of the Micro ATM product line. You will play a crucial role in managing transaction growth, overseeing large-scale projects, ensuring technological robustness, and maintaining compliance within the dynamic payments landscape, focusing on key segments like AEPS and BBPS. Acting as the primary bridge between Business/Sales, Technology, and external vendors/regulators, your responsibilities will be structured around four primary pillars of accountability:
**Project Management & Vendor Deployment**:
Lead end-to-end onboarding, integration, and performance management of Micro ATM and switching vendors, including due diligence and compliance checks. - Drive necessary certifications with NPCI and other regulatory bodies for product launch readiness and operational continuity. - Manage major product rollout projects, ensuring timely execution, budget adherence, and successful completion across the BC network, agent channels, and bank branches. - Strategically oversee the extensive rollout and inventory of Micro ATM devices to optimize distribution and activation rates. - **Product Strategy & Technology Management**:
Develop a strong knowledge base on the Micro ATM market, competitive landscape, device technology trends, and consumer behavior to identify growth opportunities. - Define and own the multi-year product roadmap, prioritize features based on business value, customer feedback, and technology f