About the role

PayPay India is seeking an autonomous Senior Product Manager to own and drive critical credit and merchant financial products in close collaboration with PayPay group companies.

In this role, you will lead end-to-end product execution, turning business requirements into scalable platform features and seamless end-user experiences. You will work independently on day-to-day execution while collaborating closely with business partners, credit modeling experts, data teams, and engineering to deliver high-impact financial products in Japan.

About PayPay India

PayPay, a fintech company providing a service enjoyed by over 75 million users since its launch in 2018 in Japan. The company is now home to a very diverse team of members from more than 50 countries. We grew to a team of several thousand employees in Japan but are far from over. We are still in the Day 1. Every day, new members join us from all over the world to create new value and deliver it to society.

Why India ?

To build our Payment services, we got technical cooperation from Paytm (A large payment service company in India). And based on their customer-first technologies , we created and expanded the smartphone payment service in Japan. Therefore, we have decided to establish a development base in India, because it is a major IT country with many talented engineers, as evidenced by the fact that cutting-edge mobile payments can continue to be generated.

OUR VISION IS UNLIMITED

We dare to believe that we do not need a clear vision to create a future beyond our imagination. PayPay will always stay true to our roots and realise a vision (future) that no one else can imagine by constantly taking risks and challenging ourselves. With this mindset, you will be presented with new and exciting opportunities on a daily basis and have the opportunity to grow and reach new dimensions that you could never have imagined.

AI-First Culture at PayPay

At PayPay, we believe the future of software development is AI-augmented engineering. Every engineer is expected to actively leverage AI tools for code reviews, testing, documentation, debugging, and productivity improvements. AI is not optional — it is a mandatory part of our daily engineering workflow. Candidates must demonstrate both hands-on experience and the right mindset to integrate AI effectively into their workflow, while maintaining the engineering rigor, ownership, and problem-solving skills that only humans can provide.

Main Responsibilities

• Product Ownership & Execution: Drive end-to-end product lifecycle for merchant credit and bank integration products from ideation to launch.

• Cross-Entity Collaboration: Act as the key product owner working independently with business teams, partner banks, and PayPay group companies in Japan to understand business needs and translate them into actionable product roadmaps.

• Technical Specifications & Architecture: Write clear, high-quality PRDs and partner closely with engineering and UI/UX teams to build scalable platform capabilities and clean user experiences.

• Cross-Functional Alignment with Modeling Teams: Collaborate with credit modeling, risk, and analytics teams to seamlessly incorporate scoring models, data pipelines, and decision engines into product flows.

• Data-Driven Optimization: Analyze product performance, user behavior, and platform metrics using SQL and analytical tools to continuously identify feature gaps and optimize customer experiences.

• Roadmap Prioritization: Define product challenges and opportunities, balancing speed of execution with long-term platform scalability.

Required Qualifications

• Experience: Minimum 5+ years of Product Management experience (7-9 years of overall experience).

• Technical & Analytical Mindset: Bachelor’s degree in a technology discipline (or 2+ years in a technical role) with a solid understanding of APIs, technical system architecture, statistical concepts, and data analysis (SQL).

• Execution Autonomy: Strong bias for action ("Get Things Done" attitude) with a track record of driving complex initiatives independently.

• Communication: Demonstrated success collaborating with cross-functional and international business stakeholders.

Preferred Qualifications

• Domain Versatility: Prior background across fintech, e-commerce, consumer internet, or high-scale platform products

• Experience collaborating with cross-border business teams

• Experience leveraging AI/LLM tools in daily workflows (e.g., documentation, spec drafting, review, user flow mapping) while maintaining accountability for output.

• Leverage AI/LLM-based tools in daily workflows (e.g., code development, reviews, testing, debugging, documentation), while ensuring human oversight, judgment, and accountability drive the final product.

Remarks

＊Please note that you cannot apply for PayPay (Japan-based jobs) or other positions in parallel or in duplicate.

PayPay 5 senses

• Please refer PayPay 5 senses to learn what we value at work.