Senior Associate IMPS, AEPS and NETC Design and Development
We are seeking a seasoned backend developer to drive the design, delivery, and continuous enhancement of IMPS / AEPS / NETC / CTS platforms.
This role involves building and managing real-time, high-volume payment systems with a strong focus on availability, resilience, security, performance, and AI-assisted engineering practices.
- Job Title: Senior Associate– Payment Systems
- Division: Application Development
- Experience: 3–6 Years
- Education: B.E. / B.Tech / M.E. / M.Tech
- Location: Mumbai/Chennai/Hyderabad
- Employment Type: Full-Time (Permanent)
Your team will design and operate high-throughput, low-latency APIs and services processing millions of transactions daily.
Your work will directly contribute to:
- Financial inclusion
- System reliability and operational excellence
- Trust in India’s digital payments ecosystem
- Lead end-to-end delivery of IMPS/AEPS/NETC/CTS platforms
- Drive system improvements in performance, scalability, and resilience
- Ensure regulatory compliance and secure system design
- Own API lifecycle management and service governance
- Implement AI-assisted development practices responsibly
- Define standards for AI adoption in engineering workflows
- Mentor engineers and promote engineering best practices & automation
- Build and operate high-availability, fault-tolerant distributed systems
Requirements
- Strong expertise in Java (Spring Boot), Microservices, Distributed Systems
- Experience with Apache Kafka / event-driven architectures
- Strong knowledge of databases: Oracle, PostgreSQL, Cassandra, YugabyteDB, KDB+
- Hands-on with AI-assisted development tools (Copilots, AI code assistants)
- Experience in containerization (Docker) and orchestration (Kubernetes)
- Knowledge of CI/CD pipelines (Jenkins, GitLab)
- Familiarity with API gateways (Kong, NGINX)
- Strong understanding of performance tuning, concurrency, resilience patterns
- Proven experience building large-scale payment / banking systems
- Strong background in real-time, mission-critical applications
- Experience managing high transaction volume systems
- Ability to balance AI-driven productivity with engineering rigor
- Strong leadership, mentoring, and stakeholder collaboration skills
- Experience in IMPS / AEPS / NETC / CTS or similar payment platforms
- Exposure to regulatory and compliance-driven ecosystems
- Experience in modern engineering practices and DevOps environments
Skills Required
- 3–6 years of professional experience
- B.E., B.Tech, M.E., or M.Tech degree
- Strong expertise in Java and Spring Boot
- Experience with microservices and distributed systems
- Experience with Apache Kafka and event-driven architectures
- Knowledge of Oracle, PostgreSQL, Cassandra, YugabyteDB, or KDB+ databases
- Hands-on experience with AI-assisted development tools or code assistants
- Experience with Docker and Kubernetes
- Knowledge of Jenkins or GitLab CI/CD pipelines
- Familiarity with Kong or NGINX API gateways
- Strong understanding of performance tuning, concurrency, and resilience patterns
- Experience building large-scale payment or banking systems
- Experience with real-time, mission-critical, high-transaction-volume applications
- Leadership, mentoring, and stakeholder collaboration skills
- Experience with IMPS, AEPS, NETC, CTS, or similar payment platforms
- Exposure to regulatory and compliance-driven ecosystems
- Experience with modern engineering practices and DevOps environments
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
