Lead commercial cards product strategy, portfolio growth, product development, ERP and travel ecosystem integrations, P&L management, partner collaboration, and payment innovation. Drive adoption of purchase, corporate, and travel cards, including virtual cards, automated expense workflows, tokenization, embedded finance, and AI-enabled solutions. Collaborate with banks, fintechs, technology teams, vendors, and corporate clients to deliver scalable commercial payment products and improve revenue, usage, profitability, and operational efficiency.
Role Overview
We are seeking an experienced Commercial Cards Product Manager to drive the growth, innovation, and execution of commercial card solutions across issuing partners.
This role focuses on delivering scalable and differentiated corporate, purchase, and travel card solutions, enabling corporates to optimize payments, enhance expense visibility, and improve operational efficiency.
The ideal candidate will have strong domain expertise in commercial cards, deep knowledge of corporate payment ecosystems, and hands-on experience delivering complex, technology-driven solutions such as virtual cards and expense management integrations.
This role requires strong commercial acumen, stakeholder collaboration, and the ability to deliver results in a high-pressure, execution-driven environment.
- 7–10 years of experience in commercial cards product management within banking, payments, or card networks.
- Experience managing Purchase, Corporate, and Travel Cards.
- Hands-on experience with virtual cards and expense management solutions.
- Strong understanding of GDS and travel payment ecosystems.
- Experience with ERP integrations (SAP, Oracle, etc.).
- Knowledge of Commercial Cards P&L and portfolio economics.
- Proven ability to deliver in high-pressure environments.
- Strong stakeholder management and collaboration skills.
- Excellent analytical, communication, and problem-solving abilities.
- AI and automation experience is mandatory.
Requirements
Key Responsibilities
1. Product Strategy & Portfolio Growth
1. Product Strategy & Portfolio Growth
- Define and execute the commercial cards product strategy across issuing banks and ecosystem partners.
- Drive adoption and growth of Purchase Cards, Corporate Cards, and Travel Cards across enterprise and mid-market segments.
- Identify new business opportunities, emerging use cases, and industry trends.
- Support issuers in building differentiated value propositions and go-to-market strategies.
- Lead end-to-end delivery of commercial card product initiatives, including:
- Virtual card solutions
- Expense management system integrations
- Travel and procurement payment workflows
- Virtual card solutions
- Manage the product lifecycle from ideation to implementation and scaling.
- Collaborate with technology teams to ensure seamless integrations.
- Ensure timely and high-quality delivery in fast-paced environments.
- Develop expertise in corporate workflows such as procurement, travel, and expense management.
- Drive integrations with ERP systems (e.g., SAP, Oracle, etc.).
- Support travel-related payment flows, including Global Distribution Systems (GDS).
- Enable automation in reconciliation, reporting, and payment processes.
- Own and optimize Commercial Cards P&L (revenue growth, cost, and profitability).
- Drive card usage, transaction volume, and corporate engagement.
- Monitor key performance metrics such as spend growth, card issuance, activation, and profitability.
- Collaborate with issuing banks, fintechs, ERP providers, and corporate clients.
- Work closely with internal teams including technology, risk, operations, and sales.
- Manage external vendors and solution providers.
- Act as a subject matter expert for commercial card capabilities.
- Stay updated on market trends in commercial payments and B2B automation.
- Drive innovation in areas such as:
- Virtual cards
- Tokenization-based payments
- Embedded finance
- Automated expense and travel workflows
- Virtual cards
- Benchmark competitor offerings and recommend enhancements.
- Experience working with card networks or payment schemes.
- Knowledge of B2B payment automation and supplier payments.
- Familiarity with reconciliation, reporting, and settlement workflows.
- Experience with enterprise-level corporate clients.
- Understanding of regulatory and compliance frameworks in payments.
- Commercial Acumen
- Product Execution Excellence
- Stakeholder Management
- Technical Integration Understanding
- Customer-Centric Solution Design
- Strategic Thinking
- Problem Solving Under Pressure
- Collaboration & Partner Management
National Payments Corporation Of India (NPCI) Mumbai, Maharashtra, IND Office
The Capital, B Wing, 10th Floor,, Bandra Kurla Comple, Mumbai, Maharashtra , India, 400051
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