About the Role
Join NPCI's UPI Product team to build and scale products
that power one of the world's largest real-time payment ecosystems. You will
drive product strategy, platform evolution, ecosystem growth, and AI-led
innovation while working closely with banks, fintechs, merchants, regulators,
and technology teams.
Key Responsibilities
Product Strategy & Execution
- Define
product vision, roadmap, and strategic priorities for UPI products.
- Identify
customer, business, and ecosystem opportunities through market insights,
data, and stakeholder engagement.
- Own
the end-to-end product lifecycle from ideation to launch and continuous
enhancement.
- Lead
product planning, prioritization, implementation, and go-to-market
execution.
Platform & Product Development
- Translate
business and regulatory requirements into scalable product solutions.
- Collaborate
with Technology, Operations, Risk, Compliance, and Business teams to
deliver secure, resilient, and high-performing products.
- Drive
API, platform, and ecosystem capabilities that enhance adoption and
customer experience.
Data & AI-Powered Product Management
- Use
data, analytics, and experimentation to drive product decisions and
measure outcomes.
- Leverage
AI and GenAI tools for product discovery, customer insights,
prioritization, and decision-making.
- Partner
with Data Science and Technology teams to implement AI-driven capabilities
across customer experience, fraud prevention, operational efficiency, and
product intelligence.
- Evaluate
emerging AI innovations and identify high-impact use cases within the
payments ecosystem.
Ecosystem & Stakeholder Management
- Engage
with banks, PSPs, fintechs, merchants, and ecosystem partners to drive
product adoption and innovation.
- Build
alignment across leadership, business, regulatory, and technology
stakeholders.
- Represent
product initiatives in governance forums and industry engagements.
Governance & Compliance
- Ensure
adherence to regulatory, security, risk, and operational requirements.
- Maintain
product governance, documentation, and audit readiness.
Requirements
- Strong
Product Management experience in Digital Payments, Banking, Fintech, or
Financial Services.
- Deep
understanding of UPI, payment systems, APIs, and digital payment
ecosystems.
- Experience
managing large-scale products from conception to launch and optimization.
- Strong
analytical, problem-solving, and stakeholder management skills.
- Exposure
to AI, GenAI, Machine Learning, data analytics, and platform products is
highly desirable.
- Excellent
communication and executive presentation skills.
Skills Required
- Strong product management experience in digital payments, banking, fintech, or financial services
- Deep understanding of UPI, payment systems, APIs, and digital payment ecosystems
- Experience managing large-scale products from conception through launch and optimization
- Strong analytical, problem-solving, and stakeholder management skills
- Excellent communication and executive presentation skills
- Exposure to AI, generative AI, machine learning, data analytics, and platform products
What We Do
NPCI is an umbrella organisation for all retail payment systems in India. It was set up with the support & guidance from Reserve Bank of India (RBI) & Indian Banks Association (IBA). A registered company under Section 8 of the Companies Act, 2013. Watch the NPCI Corporate AV - https://youtu.be/RGl9YQ6CB20 Products & Services Unified Payments Interface Unique payment solution which empowers a recipient to initiate the payment request from a smartphone. It facilitates 'virtual payment address' as a payment identifier for sending & collecting money & works on single click 2 factor authentication. Immediate Payment Service A 24X7, real time, cost effective, independent channel, retail payment service, introduced by NPCI, empowering customers to transfer money instantly with banks & RBI authorised PPIs across India. RuPay Robust card scheme designed to offer payment products with superior features & processes specifically designed to cater to diverse consumer needs. *99# USSD based mobile banking platform that makes banking services accessible to all the bank account holders on their mobile phones. National Automated Clearing House Centralised payment system developed with an aim to consolidate multiple ECS systems running across the country & provide a framework for the removal of local barriers/inhibitors. Aadhaar Enabled Payment System Bank led model which allows online financial inclusion transactions at micro-ATMs through the business correspondent of any bank using the Aadhaar authentication. e-KYC Electronic way of conducting authentic & real time KYC of a customer using Aadhaar authentication. Cheque Truncation System Electronic image of the cheque is transmitted to the drawee bank by the clearing house, along with relevant information. National Financial Switch Facilitates routing of ATM transactions through inter-connectivity between its member institutions thereby enabling the citizens of the country to utilise any ATM of a connected entity
