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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.
We are a full-stack financial services organisation, committed to helping Indian businesses with comprehensive and innovative payment and business banking solutions built over robust technology to address the entire length and breadth of the payment and banking journey for any business. Over the past year, we've disbursed loans worth millions of dollars in loans to thousands of businesses. In parallel, Razorpay is reimagining how businesses manage money by simplifying business banking (via Razorpay X) and enabling capital availability for businesses (via Razorpay Capital).
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.
- 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.
- 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.
- Write high-quality PRDs and own sprint planning with Engineering and DS teams.
- Manage the product lifecycle from discovery to launch to iteration.
- 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.
- 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.
Razorpay believes in and follows an equal employment opportunity policy that doesn't discriminate on gender, religion, sexual orientation, colour, nationality, age, etc. We welcome interests and applications from all groups and communities across the globe.
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What you need to know about the Chennai Tech Scene
To locals, it's no secret that South India is leading the charge in big data infrastructure. While the environmental impact of data centers has long been a concern, emerging hubs like Chennai are favored by companies seeking ready access to renewable energy resources, which provide more sustainable and cost-effective solutions. As a result, Chennai, along with neighboring Bengaluru and Hyderabad, is poised for significant growth, with a projected 65 percent increase in data center capacity over the next decade.
