Role Overview
Valor PayTech is hiring a Senior Technical Product Manager to own the internal software development lifecycle for our CRM Merchant Services platform — the system of record that powers the entire merchant journey, from lead to underwriting to ongoing transaction monitoring and payouts. This is a hands-on, in-the-weeds role for someone who thrives at the intersection of product, process, and engineering execution.
You will report directly to the Product Owner and act as the operational and technical backbone of the platform’s roadmap — translating business priorities into clear, complete engineering requirements, managing sprint execution, and ensuring releases are delivered with quality and on schedule. Above all, this role owns the discipline of getting analysis right the first time: before a change reaches engineering, you are accountable for enumerating its full impact across the platform, so that what we build is consistent, complete, and free of the gaps that surface late in production.
This role does not require coding ability, but candidates with hands-on technical fluency (SQL, scripting, API / data literacy) will be considered a strong asset given the complexity of the systems involved.
What We’re Looking For
Four qualities define success in this role:
- A Self-Starter and Owner — You take end-to-end ownership of your platform’s SDLC without waiting to be directed. You drive backlog, analysis, and releases forward, chase down open questions across teams, and treat every gap between intent and delivery as yours to close.
- Technically Fluent — You are comfortable in the details of a complex payments platform — transaction flows, data models, integrations, and configuration — and can hold a credible technical conversation with engineers and QA. You reason about systems, not just features.
- Rigorous and Complete — You do not stop at the happy path. Before a change is committed, you systematically map its full impact surface — every transaction type, user persona, device population, credential form, processing feature, integration rail, and configuration state it could touch — so nothing is silently left behind. Completeness of analysis is the single most important thing this role protects.
- A Strong Executor and Communicator — You run disciplined agile ceremonies, write specifications engineering can build against without guessing, and communicate clearly with a US-based team — turning business and compliance needs into precise, unambiguous requirements.
What You’ll Own
SDLC Ownership and Delivery
- End-to-end SDLC management for the CRM Merchant Services platform — backlog grooming, sprint planning, release coordination, and go-live sign-off, working closely with engineering leads and QA.
- Project estimation and resource planning, partnering with the Product Owner on scoping, prioritization, and developer-day forecasting.
- Release documentation, including change logs, workflow enhancement specs, and cross-processor integration notes.
- Own phase one of the SDLC — analysis and requirements gathering — as the point where quality is decided. For every change, enumerate the complete impact surface before engineering commits. Facilitate pre-commitment reviews with engineering and QA — a shared walkthrough of scope and impact before build begins.
- Translate business and compliance requirements into detailed technical specifications, user stories, and acceptance criteria that engineering can execute against without ambiguity.
Platform Domain: Merchant Lifecycle, Risk and Settlement
- Lead-to-merchant lifecycle features: lead capture and qualification, digital merchant application submission, and underwriting workflow tooling.
- Merchants boarding processes and integrations with processor platforms (such as TSYS, Fiserv, and others).
- Real-time transaction monitoring capabilities for both physical and virtual terminals within the internal risk portal, including fraud detection rules, alerting, and case review workflows.
- Settlement funding operations and ACH processing, including reject handling, reconciliation tooling, and exception management.
- Payout calculation logic and the associated ACH disbursement processes for partners funding.
What You’ll Bring
- 10+ years of experience in technical product management, product ownership, or a closely related role, ideally within fintech, payments, banking, or merchant services.
- Proven experience managing a software development lifecycle: writing requirements, grooming backlogs, running agile ceremonies, and coordinating releases with engineering teams.
- Demonstrated rigor in requirements analysis — a track record of thinking through the full scope of a change and its edge cases up front, rather than discovering them after release.
- Strong analytical and process-design skills, with comfort interpreting data to monitor transactional and non-transactional activity.
- High proficiency in written and spoken English, with the ability to communicate effectively with a US-based team and accurately translate their business requirements into clear PRDs and project plans.
- Demonstrated comfort using AI tools (e.g., for documentation, analysis, or workflow automation) as part of regular product management practice.
- A collaborative work style and willingness to work a hybrid schedule from Valor PayTech’s Chennai office.
- Experience reporting to or partnering closely with a Product Owner in a structured product organization.
Nice to Have (Strong Bonus)
- Direct working knowledge of the merchant lifecycle: lead management, onboarding, underwriting, processor integrations, reporting and statementing, chargeback management…
- Strong working knowledge of banking, underwriting, payments, or closely related financial services industries is a plus but not required.
- Familiarity with payments infrastructure and terminology — processors (such as TSYS, Fiserv), ACH / NACHA, ISO 8583, PCI DSS — gained through hands-on product or technical work. Big plus – but not required.
- Working knowledge of SQL for querying transaction, settlement, or merchant data.
- Scripting ability (e.g., Python) to support data analysis, automation, or reporting tasks.
- Exposure to REST APIs, JSON / XML data structures, or systems integration concepts.
- Prior experience with risk / fraud monitoring tools or chargeback and dispute workflows.
- Certifications such as CSPO, PMI-ACP, or processor-specific training (e.g., TSYS University).
Why Join Valor PayTech
You’ll take ownership of a mission-critical platform that touches every stage of the merchant relationship, working alongside a focused product and engineering team in our Chennai office. This is an opportunity to shape how a fast-growing fintech platform scales its underwriting, risk, and payments operations — and to set the standard for how analysis and requirements are done — with direct visibility into the Product Owner and broader leadership team.
