Develop Java-based smart card and secure payment applications, SDKs, APIs, libraries, and developer tools. Build and validate Java Card applets compliant with EMV, GlobalPlatform, and ISO standards; manage applet lifecycles, cryptographic operations, key management, and secure element interactions. Debug card-host transaction flows, support personalization and certification, resolve production issues, and maintain technical documentation. Collaborate with host system, manufacturing, certification, and cross-functional engineering teams.
Key Responsibilities:
•
Design and develop Java-based applications, SDKs, libraries, and developer tools for smart card and secure payment platforms.
•
Build APIs and frameworks for interaction with Secure Elements, Java Cards, and mobile wallets.
•
Develop sample applications, reference implementations, and technical documentation for SDK consumers.
•
Implement EMV, GlobalPlatform, and ISO 7816/14443 compliant applications.
•
Develop secure and optimized code considering memory and performance constraints.
•
Perform applet debugging, testing, and validation using industry-standard tools.
•
Manage applet lifecycle (installation, personalization, deletion) using GlobalPlatform.
•
Work on secure key management, cryptographic operations, and data protection.
•
Collaborate with cross-functional teams including host system, personalization, and certification teams.
•
Analyse and resolve issues in card-host interaction and transaction flows.
•
Maintain technical documentation and support production deployments.
Skills:
•
5+ years’ experience in software development and qualification of Java Card Payment Application
•
Prior Experience to developed payment card applet with any SCHEME
•
In depth knowledge of EMV standard and global platform standard.
•
Programming experience in Java or Python
•
Experience developing SDKs, APIs, libraries, or developer tools.
•
Experience with card personalization tools like MULTOS, GPPro, Gemalto IDV or similar.
•
Should possesses the functional knowledge of ISO 14443 / 7816 / 8583 / 9564.
Experience with debugging tools like PyAPDU, GPShell, or JCOP tools.
•
Strong knowledge of chip manufacturing industry is needed.
•
Strong understanding of EMV standards, cryptographic algorithms (AES, RSA, ECC, PQC).
•
Familiarity with HSM and secure element programming.
•
Experience in card manufacturing industry.
•
Experience in PKI and Certificate Management
•
Collaborate with teams on certification processes (EMVCo, PCI DSS, etc.)
•
Good to have EMV certifications.
Soft Skills
•
Strong problem-solving and analytical skills
•
Ability to work independently and in a team
•
Good communication and documentation skills
•
Attention to detail with a focus on security
Requirements
Preferred Qualifications:
• Bachelor’s or master’s degree in computer science or in a related field.
• 5 years of relevant experience is must.
• Previous experience in payment networks requirements likes (Visa, Mastercard, Rupay, etc.) is
a plus.
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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