UPI Subject Matter Expert

Job Title : UPI Subject Matter Expert

Experience : 8-12 years

Location : Delhi or Mumbai

Persona : Product Manager or Solution Architect or Project Manager

Must Have Skills (Non -Negotiable Core Competencies) : Expertise with UPI (Primary : Issuer, Acquirer, Merchant; Secondary : Reconciliation, Operations), NPCI Regulations

Good to Have Skills : Secondary : Reconciliation, Operations

Job Summary :

We are looking for a UPI Subject Matter Expert with 5-7 years of experience in the payments industry. The ideal candidate should have deep expertise in Unified Payments Interface (UPI), payment processing, regulatory compliance, and industry best practices. This role requires collaboration with product, technology, compliance, and business teams to drive innovation and ensure seamless UPI integrations.

Key Responsibilities :

- Act as a subject matter expert (SME) for UPI payments, including transactions, reconciliation, dispute management, and fraud prevention.

- Lead end-to-end implementation of UPI solutions for banking and fintech partners.

- Ensure compliance with NPCI regulations, RBI guidelines, and industry standards.

- Work closely with engineering and product teams to optimize UPI architecture, API performance, and security protocols.

- Analyze UPI transaction data and suggest enhancements for scalability and efficiency.

- Collaborate with business stakeholders to develop UPI-based payment strategies and new product innovations.

- Stay updated with latest UPI trends, NPCI circulars, and emerging technologies in digital payments.

- Manage and resolve technical or operational issues related to UPI implementations.

Required Skills & Qualifications :

- 5-7 years of experience in digital payments, banking, or fintech, with 3+ years in UPI domain.

- Strong knowledge of UPI architecture, APIs, PSPs, TPAPs, and merchant integrations.

- Hands-on experience with NPCI compliance, ISO 20022, payment gateways, and fraud management.

- Expertise in UPI mandate, auto-pay, UPI 2.0/3.0, tokenization, and digital wallets.

- Understanding of security standards (PCI DSS, encryption, tokenization) for payments.

- Strong stakeholder management and ability to coordinate between business, product, and tech teams.

- Prior experience working with banks, fintech firms, or payment aggregators is a plus.

- Excellent problem-solving, analytical, and communication skills.

Preferred Qualifications :

- Prior experience with NPCI certification processes for UPI integrations.

- Understanding of AI/ML-driven fraud prevention in digital payments.

- Experience working with cloud-based payment infrastructure.