Note : If screened-in, you will be invited for initial rounds on 10th October 2026 (Saturday) in Bangalore.

About NPCI :

The National Payments Corporation of India (NPCI) is a pivotal institution in India's digital payments ecosystem, established by the Reserve Bank of India (RBI) and the Indian Banks Association (IBA). It operates under the Payment and Settlement Systems Act, 2007, and is incorporated as a Not for Profit company under Section 25 of the Companies Act 1956 (now Section 8 of the Companies Act 2013). NPCI is dedicated to building world-class digital payment infrastructure through innovative and efficient retail payment platforms. As an Equal Opportunity Employer, NPCI is committed to fostering an inclusive workplace culture, with zero tolerance for discrimination based on race, ethnicity, disability, gender identity, or sexual orientation, including support for the LGBTQ+ community.

Our Culture :

The NPCI WAY - Our Guiding Principles. At NPCI, we foster a culture of Inclusion, Innovation, and a High-Performance Workplace. The NPCI WAY is not just a framework, it's a shared commitment by every individual to align with our evolving business needs, dynamic market conditions, and workforce expectations.

Five Tenets of the NPCI WAY :

- Forward Thinking Mind-Set

- Customer First

- Lead With Purpose

- Passion to Deliver

- All Succeed Together

Employee Perks and Benefits :

- Comprehensive Coverage : Medical, accidental, and life insurance.

- Employee Assistance Program : Onsite medical center, financial/legal counselling, mental wellness.

- Annual Wellness Bouquet : Holistic wellbeing support.

- Parental Leave : Inclusive maternity and paternity leave.

- Daycare Support : Assistance for working parents.

- Mobility Benefits : Relocation, transfers, and travel support.

- Home Loan Interest Support : Up to 50% reimbursement.

- Mobile Reimbursement : New handset every 2 years.

- Car Lease, Salary Advance, Subsidized Meals.

- Education Partnerships : Upskilling via top institutions.

- Reward & Recognition Program.

- Technology Innovation : Patents and IP Rights policy.

- Provident Fund (PF) and Gratuity Contributions.

Role Overview :

The RuPay Product - Core is responsible for building, enhancing, and evolving the core product capabilities of the RuPay card network across domestic and international markets. The role focuses on architecting large scale payment platforms, strengthening the schemes core infrastructure, driving innovation aligned with global card payment ecosystems, and ensuring best in class product design backed by strong regulatory and EMVCo fundamentals.

Key Responsibilities :

- Lead the development and enhancement of the RuPay Core Product Stack, including issuance, acceptance, processing, authentication, compliance and risk controls.

- Drive end-to-end development of foundational capabilities, modernization and roadmap for EMV authorization flows, 3DS authentication, global switching, routing, risk-based evaluation, Tokenization and authorization standards.

- Collaborate with technology, operations, and security teams to evolve platform performance, throughput efficiency, and latency improvements.

- Lead ecosystem alignment for certification, compliance, and deployment of EMVCo-driven changes.

- End-to-End Solution Ownership: Define solution architecture, scope, timelines, and delivery plans.

- Ensure full compliance with RBI, EMVCo, PCI-DSS, network, and data security regulations.

- Interpret new regulatory guidelines and translate them into product features, ecosystem advisories, and implementation frameworks.

- Work closely with issuers, acquirers, regulator, payment processors, fintechs, and OEM partners to drive adoption of core features.

- Monitor transaction throughput, operational metrics, success rates, and partner performance; identify and drive resolution of systemic issues.

- Be able to independently handle technical assignments, especially around design and architecture for payment APIs (with a focus on Card Payments).

- Demonstrate the ability to read and understand code, as well as have a clear grasp of development and testing lifecycles, including commonly used tools.

- Be capable of writing comprehensive Technical Specification Documents (including API specifications) and creating standardized templates.

- Technical Solution Design: Translate business requirements into detailed solution designs and API-based architectures.

- Provide clear articulation of technical workflows to non-technical stakeholders.

Key skills and experience required :

- Bachelors degree in Engineering / Computer Science / Information Technology / Electronics, or related technical fields.

- MBA (preferred) Finance / Product Management / Strategy / Marketing / FinTech / Digital Business.

- Candidates with postgraduate programs in payments, digital banking, or financial technologies will have an added advantage.

- 3 - 15 years of experience in payments, card networks, fintech, banking, or product management roles.

- Strong analytical and problem-solving skills, with the ability to use data to make informed decisions.

- Excellent communication skills, with the ability to communicate complex concepts to both technical and non-technical stakeholders.

- Strong leadership skills, with the ability to inspire and motivate teams.

- Deep understanding of card-on-device tokenization and EMVCo standards.

Technical Competencies :

- Product Design & Development

- Product Management Skills

- Solutions & Engagement Management

- Stakeholder Management

- Commercial Acumen & Business Analytics

- Project Management Skills

- Analytical Skills

- AI capability building