Senior Associate IMPS, AEPS and NETC Design and Development
- Role: Full Stack Application Engineer
- Department: Product – Technology
- Experience: 3 to 7 Years
- Employment Type: Full‑time | Permanent
- Education: BE / BTech or equivalent professional qualification
- Location: Mumbai / Hyderabad
- Work Mode: 5 Days Work From Office (WFO)
Key Responsibilities
- Design and develop scalable RESTful APIs using Java, Spring Boot, and Hibernate/JPA for IMPS, AePS, and NETC applications
- Build and maintain microservices-based architectures, integrating with internal and external payment systems
- Develop responsive, high-performance frontend applications using React.js, Redux, and JavaScript / TypeScript
- Ensure seamless frontend–backend integration for real-time payment workflows
- Work with event-driven systems (Kafka) for asynchronous transaction processing
- Implement secure authentication and authorization using OAuth2, JWT, and industry best practices
- Optimize applications for performance, scalability, reliability, and security
- Write unit and integration tests, and participate in code reviews to maintain engineering standards
- Actively participate in Agile ceremonies and collaborate with cross-functional teams
Key Skills & Experience Required
- Strong expertise in Java 8+ and above, including core programming constructs such as streams, collections, multithreading, concurrency, and functional programming, along with a working understanding of JVM internals such as memory model, garbage collection, and class loading
- Hands‑on experience with Spring Boot and backend frameworks, including dependency injection, REST API development, exception handling, and microservices-based application design
- Solid understanding of modern frontend development, with React.js, Redux, and TypeScript, including component architecture, hooks, state management, and efficient API integration patterns
- Familiarity with Node.js-based middleware concepts, including event loop behavior, non‑blocking I/O, and lightweight service orchestration
- Experience working with microservices and distributed systems, including REST API principles such as idempotency, API versioning, request validation, and error modeling
- Strong knowledge of event-driven architecture and messaging systems like Kafka, including topics, partitions, consumer groups, and asynchronous processing patterns
- Experience with SQL and NoSQL databases, including relational modeling, transactions, indexing, as well as NoSQL data modeling for scalability and performance
- Understanding of caching strategies using Redis or similar systems, including cache-aside patterns, TTL, and eviction policies
- Knowledge of authentication and security mechanisms, including OAuth2, JWT, secure API handling, and input validation
- Good understanding of system design principles, including SOLID principles, layered architecture, and commonly used design patterns such as Factory, Strategy, and Proxy
- Exposure to DevOps practices, including version control (Git), build tools (Maven/Gradle), and environment-based configuration management
- Awareness of observability practices, including structured logging, metrics monitoring, and debugging production issues
- Strong problem-solving, analytical, and communication skills, with the ability to work independently and in cross-functional Agile teams
Good to Have Skills and Experience
- Experience deploying applications on cloud platforms such as AWS, Azure, or GCP
- Exposure to CI/CD pipelines using Jenkins, GitLab CI, or GitHub Actions
- Knowledge of containerization and orchestration using Docker and Kubernetes
- Familiarity with high-availability, low-latency systems, particularly in financial or payment processing domains
Skills Required
- 3 to 7 years of professional experience
- BE, BTech, or equivalent professional qualification
- Strong expertise in Java 8 or later, including multithreading, concurrency, functional programming, and JVM internals
- Hands-on experience with Spring Boot, REST API development, and microservices architecture
- Experience with React.js, Redux, TypeScript, component architecture, hooks, and state management
- Familiarity with Node.js middleware, event loops, non-blocking I/O, and service orchestration
- Experience with distributed systems, API versioning, idempotency, validation, and error modeling
- Strong knowledge of Kafka and event-driven asynchronous processing
- Experience with SQL and NoSQL databases, relational modeling, transactions, indexing, and NoSQL data modeling
- Understanding of Redis or similar caching systems, including cache-aside, TTL, and eviction policies
- Knowledge of OAuth2, JWT, secure API handling, and input validation
- Understanding of system design, SOLID principles, layered architecture, and common design patterns
- Exposure to Git, Maven or Gradle, and environment-based configuration management
- Awareness of structured logging, metrics monitoring, and production debugging
- Strong problem-solving, analytical, communication, and cross-functional collaboration skills
- Experience deploying applications on AWS, Azure, or GCP
- Exposure to CI/CD pipelines using Jenkins, GitLab CI, or GitHub Actions
- Knowledge of Docker and Kubernetes
- Experience with high-availability, low-latency financial or payment processing systems
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






