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.