Jobs at National Payments Corporation Of India (NPCI)

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.

Lead global UPI product strategy and development for NIPL, including product customization, portfolio management, P&L optimization, partner agreements, stakeholder relationships, market and competitor analysis, business cases, regulatory approvals, operating rules, SLAs, and cross-functional coordination across risk, compliance, operations, channel, and business teams.

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.

Manage relationships with large corporates, fintechs, merchants, and strategic partners. Support partner onboarding, ecosystem enablement, operational readiness, UPI and RuPay adoption, payment strategy, pilot execution, and stakeholder alignment. Provide regulatory and compliance support across payment operations, including settlement, reconciliation, fraud controls, API integrations, and data privacy. Build dashboards, apply AI and automation tools, and develop scalable technology-enabled solutions while engaging CXO-level stakeholders.

Develop end-to-end AI systems for fraud detection, AML, anomaly detection, transaction intelligence, graph analytics, and conversational AI. Responsibilities include feature engineering, ML and deep learning model development, LLM and agentic applications, GPU optimization, scalable batch and real-time deployment, evaluation, monitoring, and collaboration with technical, academic, and business stakeholders.

Develop and deploy machine learning, deep learning, Generative AI, and LLM solutions for financial and payment data. Build fraud detection, anomaly identification, NLP, conversational AI, complaint analysis, and RAG applications. Collaborate with engineering, product, and business teams to productionize models, evaluate performance, improve scalability, and meet security, compliance, and governance requirements.

Design, develop, and deliver enterprise Java and J2EE solutions. Lead technical teams, mentor junior developers, apply design patterns, and integrate AI-assisted development tools. Build Spring and Hibernate applications using REST, SQL, NoSQL, Redis, Kafka, and Cassandra. Apply TDD, document solutions clearly, and collaborate with technical and business leaders to deliver robust software.

Leads project management and day-to-day UPI and RuPay business operations, including payment clearing and settlement, transaction monitoring, issue resolution, stakeholder coordination, regulatory compliance, audits, reporting, and process optimization. Manages and develops the operations team, coordinates UAT and production rollouts, oversees service-level performance, drives decline-reduction initiatives, and supports strategic projects focused on scalability, customer experience, partner performance, and risk reduction.

Lead portfolio and product analytics for NPCI payment products, turning customer, merchant, and transaction data into actions that improve growth, retention, and profitability. Build governed data assets, dashboards, segmentation frameworks, propensity and attrition models, pricing analyses, offer experiments, and benefit-monitoring capabilities. Partner with product, commercial, risk, and analytics teams while establishing common metrics, data-quality standards, and reusable feature stores.