Jobs at National Payments Corporation Of India (NPCI)

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.

Leads end-to-end certification, compliance, and testing for RuPay cards, 3DS, tokenization solutions, and payment applications. Executes test cases, manages defects, resolves certification issues with banks and payment partners, maintains audit documentation, and supports automation. Coordinates multiple certification activities across internal teams and external stakeholders while ensuring alignment with NPCI standards and industry best practices.

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.

Designs and develops enterprise Java and J2EE software in complex, high-volume transaction environments. Builds solutions using Spring, microservices, Kafka, Redis, relational and NoSQL databases, REST, and web services. Collaborates with architects, technical leads, and business stakeholders; applies design patterns, UML, Agile/Scrum, Git, and CI/CD practices. Focuses on problem-solving, quality, reliability, communication, and scalable solutions for payments, fintech, or banking systems.

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, develop, and scale high-performance Java backend services using Spring Boot, Kafka, Cassandra, and PostgreSQL. Build RESTful APIs, microservices, and event-driven architectures while addressing distributed-system consistency, reliability, scalability, and performance. Collaborate with Product, DevOps, and Frontend teams; participate in architecture and code reviews; troubleshoot production issues; and write tested, maintainable code. Experience with payments or UPI, event sourcing, CQRS, observability tools, security practices, and Agile is advantageous.

Develop and maintain responsive React applications and reusable UI components for online and offline platforms. Translate Figma designs and requirements into functional interfaces, implement state management, integrate REST APIs, optimize performance, debug issues, and collaborate with backend, QA, and product teams. Participate in code reviews, Agile ceremonies, testing, and CI/CD processes while following maintainable coding practices.

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.

Develop and deploy machine learning, deep learning, graph AI, and generative AI systems for fraud detection, AML, transaction intelligence, and conversational AI. Responsibilities include feature engineering, model evaluation, GPU optimization, production deployment, scalable pipeline development, model monitoring, and collaboration with academic and cross-functional teams. The role involves LLMs, RAG, agentic workflows, graph neural networks, federated learning, and real-time financial systems.

Translates business requirements into functional specifications for blockchain and smart contract applications. Identifies Web3 use cases across DeFi, NFTs, and Layer 2 or zero-knowledge rollups; creates user stories, process models, and documentation; facilitates communication between technical and non-technical stakeholders; assesses security, compliance, and regulatory risks; and supports Agile project management.

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.