Jobs at National Payments Corporation Of India (NPCI)

Manages end-to-end relationships with assigned cooperative and regional rural banks, serving as the primary contact for business, operational, and service matters. Analyzes account performance, supports growth, coordinates product onboarding and project implementation, resolves stakeholder issues, and ensures regulatory and NPCI compliance. Also identifies process gaps and leads automation and operational improvement initiatives to enhance efficiency, service quality, and turnaround times.

Manage relationships with banks, payment aggregators, payment service providers, and enterprise merchant acquirers to expand NPCI payment product adoption. Drive merchant acceptance, activation, compliance, partner enablement, testing, certification, pilots, and production readiness. Support new payment capabilities, recurring payments, device integrations, and enterprise solutions. Use AI-enabled analytics to monitor acceptance, identify gaps, prioritize interventions, improve partner effectiveness, and develop adoption-focused use cases.

Lead innovation and product strategy across the UPI ecosystem, defining roadmaps, AI-enabled discovery, experimentation, API-first platform evolution, and adoption goals. Partner with engineering teams and ecosystem participants to deliver scalable, reliable payment capabilities. Establish governance, launch readiness, monitoring, and continuous improvement frameworks while influencing executives, industry stakeholders, and product leaders. The role requires deep expertise in digital payments, platform products, distributed systems, AI/ML applications, analytics, and high-scale mission-critical environments.

Manages company and group-company accounting, timely book closures, financial reporting under IND-AS, budgets, forecasts, MIS, tax and statutory compliance, audits, internal controls, and finance SOPs. Leads accounting policy adherence and related-party transaction compliance while managing and motivating finance teams. Requires a Chartered Accountant with 10–12 years of experience and strong knowledge of Companies Act, Direct Tax, GST, Accounting Standards, and IND-AS.

Lead global UPI product planning and implementation for NIPL. Responsibilities include designing and customizing products for international markets, managing product portfolios and P&L, negotiating partner agreements, researching payment markets and competitors, developing business cases, securing regulatory and board approvals, establishing operating rules and SLAs, and coordinating Risk, Compliance, Operations, Channel, and Business teams.

Lead technical operations for UPI, RuPay, remittance, and payment acceptance systems. Monitor transactions, manage settlements and SFTP files, investigate declines, coordinate incident resolution, execute maintenance and upgrades, improve and automate processes, generate MIS reports, maintain documentation, and ensure regulatory compliance. Collaborate with banking partners, development, QA, and security teams while supporting 24x7 operations across shifts.

Lead enterprise operational and technology risk management, including risk assessments, control self-assessments, key risk indicators, incident management, mitigation tracking, risk appetite frameworks, governance coordination, and executive reporting. The role evaluates risks from systems, projects, products, process changes, and outsourcing arrangements while challenging controls, corrective actions, thresholds, and escalation processes.

Lead the strategy, roadmap, delivery, and profitability of a UPI cross-border remittance product. Responsibilities include developing business requirements, operating processes, risk controls, product documentation, governance, fraud operations, testing, launches, stakeholder communications, and continuous process improvement. The role partners with technology, compliance, risk, operations, legal, finance, business teams, vendors, audit, and project management to increase revenue, reduce losses, improve customer experience, and optimize product margins.

Lead client implementation and readiness activities involving payment API design, especially UPI; assess infrastructure and security architectures; interpret API specifications; document technical solutions; coordinate development and testing lifecycles; manage client interactions, project tracking, and internal and external stakeholder communications.

Design and develop Java backend services for a B2B supply chain technology team. Responsibilities include microservices architecture, API design, product development from prototyping through integration, code reviews, technology evaluation, database development using SQL and NoSQL systems, cache implementation with Redis or KeyDB, and building complex reusable REST APIs across the full software development lifecycle.

Design, develop, test, and maintain high-performance distributed systems for a CBDC project using Rust. Collaborate on requirements, conduct code reviews, troubleshoot complex issues, optimize performance, and establish coding standards and documentation. Apply systems programming expertise in memory management, concurrency, networking, asynchronous development, cryptography, and Linux engineering while contributing to agile team practices.

Manage end-to-end back-office projects and daily UPI and RuPay operations, including clearing, settlement, transaction monitoring, incident resolution, UAT, system enhancements, compliance, audits, reporting, stakeholder management, and process optimization. The role coordinates banks, PSPs, TPAPs, vendors, technology, product, risk, compliance, and NPCI teams while improving operational performance, scalability, customer experience, and partner outcomes.

Leads technical implementation and readiness for global clients and partners supporting UPI and RuPay acceptance, remittance, licensing, and digital product rollouts. Designs payment API architectures, evaluates infrastructure and security models, reviews code and development lifecycles, prepares technical specifications and RFP responses, and manages client-facing solution discussions. The role requires hands-on technical project management, strong documentation, and the ability to explain complex solution designs.

Leads India-market marketing for international UPI usage, targeting outbound travelers through integrated digital, content, social, influencer, performance, and physical activation campaigns. Manages strategic relationships with banks, UPI-enabled apps, fintechs, and ecosystem partners to drive co-marketing and consumer amplification. Owns marketing strategy, campaign planning, agency coordination, stakeholder alignment, budgets, reporting, analytics, and optimization.

Manage end-to-end relationships with cooperative and regional rural banks, analyze account performance, support onboarding for NPCI products, resolve operational and technical issues, coordinate compliance and audits, and drive process improvements and automation.

Develop and test backend features for the BHIM application, including business logic, scalable APIs, enterprise integrations, database connectivity, and performance optimization. Collaborate with frontend developers and agile teams, write unit, integration, and performance tests, and develop automation tools and continuous integration pipelines. The role also requires clean, documented code, strong problem-solving, technical leadership, and effective communication.

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.

Lead architecture and development of Java-based stream-processing and distributed platforms for the national NETC FASTag ecosystem. Build low-latency, highly available transaction, settlement, fraud-detection, ANPR, and decisioning systems. Integrate with switching, clearing, and settlement platforms while ensuring resilience, observability, security, regulatory compliance, auditability, and disaster recovery. Provide technical leadership, mentor engineers, govern vendors, optimize national-scale performance, and retain core platform knowledge within NPCI.

Evaluates IT governance, general controls, information security, applications, infrastructure, cloud environments, and outsourced services. Reviews access, change management, incident response, data protection, application validation, business continuity, and disaster recovery controls. Identifies cyber and technology risks and assesses compliance with COBIT, ITIL, ISO 27001, RBI, UIDAI, NCIIPC, and data privacy requirements. Supports statutory, concurrent, and regulatory audits.

Develop and design complex enterprise software solutions using Java and J2EE. Build applications with Spring, Hibernate, Kafka, Redis, REST, web services, SQL, and relational or NoSQL databases. Apply computer science fundamentals, design patterns, UML, and open-source tools while collaborating with architects, technical leads, and business stakeholders to deliver solutions.