NPCI is seeking a senior product leader to drive innovation,
AI-enabled product acceleration, and next-generation platform capabilities
across the UPI ecosystem. The role will define and execute UPI's innovation, roadmap, leveraging AI, product discovery, ecosystem experimentation, and
platform evolution to address emerging payment needs, enhance user experiences,
and enable future-scale growth.
The incumbent will partner with engineering, ecosystem
participants, business stakeholders, and industry leaders to deliver scalable,
intelligent, and future-ready products. Success in this role requires strong
product leadership, deep technology and platform expertise, AI-first product
thinking, ecosystem understanding, execution excellence, platform governance,
adoption strategy, and executive stakeholder management.
Product Innovation Strategy & Roadmap
- Drive
the UPI innovation roadmap, defining future capabilities, platform
evolution, adoption goals, and success metrics.
- Identify
opportunities across payments, digital commerce, scalability, and emerging
technologies to shape future-ready solutions.
Product Discovery, AI Innovation & Experimentation
- Lead
ecosystem-wide product discovery, AI-enabled innovation, and rapid
experimentation with banks, PSPs, TPAPs, merchants, and fintechs.
- Translate
insights into scalable product requirements, roadmaps, and execution
plans.
Platform Strategy & Engineering Partnership
- Define
API-first platform strategies focused on scalability, interoperability,
extensibility, and seamless ecosystem adoption.
- Partner
with engineering teams to deliver high-performing, resilient, and scalable
platform capabilities while improving key metrics such as ASR, latency,
and throughput.
Product Governance & Execution
- Establish
strong PDLC governance, launch readiness, telemetry, and continuous
improvement frameworks.
- Drive
disciplined execution from concept through launch and optimization.
Leadership & Ecosystem Influence
- Represent
UPI innovation and AI-led product strategy across executive forums and
industry engagements.
- Influence
ecosystem direction, mentor product leaders, and foster a culture of
innovation, experimentation, and product excellence.
Requirements
- Expertise in digital payments, UPI ecosystem, API-first platforms, and interoperability.
- Strong product management, platform strategy, innovation, and ecosystem-led product leadership.
- Understanding of distributed systems, transaction processing, scalability, reliability, and performance engineering.
- Experience with product analytics, experimentation, platform monitoring, and release governance.
- Use Generative AI to accelerate product discovery, requirements, specifications, risk analysis, and decision-making.
- Apply AI/ML-driven prioritization using adoption, performance, ecosystem complexity, and business impact.
- Leverage AI-powered operational intelligence for issue detection, trend analysis, and platform performance insights.
- Drive faster innovation through AI-enabled prototyping, experimentation, and validation.
- 15+ years in product management, platform leadership, payments, fintech, or digital ecosystems.
- Proven success leading large-scale platform products, API-driven initiatives, and ecosystem innovation programs.
- Strong expertise in product discovery, roadmap strategy, execution, and stakeholder management.
- Experience in high-scale, mission-critical environments, preferably payments, banking, fintech, or national digital infrastructure.
- Demonstrated ability to mentor product leaders, build organizational capability, and influence senior stakeholders.
- Strong analytical, data-driven decision-making, communication, and leadership skills.
Skills Required
- Expertise in digital payments, the UPI ecosystem, API-first platforms, and interoperability
- Strong product management, platform strategy, innovation, and ecosystem-led product leadership
- Understanding of distributed systems, transaction processing, scalability, reliability, and performance engineering
- Experience with product analytics, experimentation, platform monitoring, and release governance
- Ability to use Generative AI for product discovery, requirements, specifications, risk analysis, and decision-making
- Ability to apply AI/ML-driven prioritization and AI-powered operational intelligence
- 15+ years of experience in product management, platform leadership, payments, fintech, or digital ecosystems
- Proven success leading large-scale platform products, API-driven initiatives, and ecosystem innovation programs
- Strong expertise in product discovery, roadmap strategy, execution, and stakeholder management
- Experience in high-scale, mission-critical environments, preferably payments, banking, fintech, or national digital infrastructure
- Ability to mentor product leaders, build organizational capability, and influence senior stakeholders
- Strong analytical, data-driven decision-making, communication, and leadership skills
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
