Java Card Developer

National Payments Corporation of India (NPCI); Mumbai; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

NPCI is seeking an experienced Java Developer with deep expertise in Java Card technology, secure payment applications, and SDK development. You will design, implement, and maintain Java Card applets, APIs, and tools used for provisioning, personalization, and secure transaction processing.

The role requires hands-on experience with EMV, GlobalPlatform, ISO 7816/14443, cryptography, and secure element programming.

Qualifications

• 3+ years experience in software development and qualification of Java Card Payment Application.
• In-depth knowledge of EMV standards and GlobalPlatform.
• Programming experience in Java or Python.
• Experience developing SDKs, APIs, libraries, or developer tools.
• Experience with card personalization tools like MULTOS, GPPro, Gemalto IDV or similar.
• Knowledge of ISO 14443 / 7816 / 8583 / 9564.
• Experience with debugging tools like PyAPDU, GPShell, or JCOP tools.
• Strong knowledge of the chip manufacturing industry and cryptographic standards.
• Familiarity with PKI and Certificate Management.
• Certification in EMV is a plus.

Responsibilities

• Design and develop Java-based applications, SDKs, libraries, and developer tools for smart card and secure payment platforms.
• Build APIs and frameworks for interaction with Secure Elements, Java Cards, and mobile wallets.
• Develop sample applications, reference implementations, and technical documentation for SDK consumers.
• Implement EMV, GlobalPlatform, and ISO 7816/14443 compliant applications.
• Develop secure and optimized code considering memory and performance constraints.
• Perform applet debugging, testing, and validation using industry-standard tools.
• Manage applet lifecycle (installation, personalization, deletion) using GlobalPlatform.
• Work on secure key management, cryptographic operations, and data protection.
• Collaborate with cross-functional teams including host system, personalization, and certification teams.
• Analyse and resolve issues in card-host interaction and transaction flows.
• Maintain technical documentation and support production deployments.

Skills

Java Card

Java

Python

SDK development

APIs & libraries

Cryptography

EMV

GlobalPlatform

ISO 14443/7816

Security

Education

Bachelor's degree in Computer Science

Master's degree in Computer Science

Tools

MULTOS

GPPro

Gemalto IDV

Job description

Job Summary:

We are looking for an experienced Java Developer with strong expertise in Java Card technology, Smart Card applications, Secure Elements, and SDK development. The candidate will be responsible for designing, developing, and maintaining Java Card applets, developer SDKs, APIs, and tools used for provisioning, personalization, transaction processing, and lifecycle management of secure payment and transit applications.

The ideal candidate should have hands‑on experience in secure application development, cryptography, payment technologies (EMV, NCMC, and contactless payments), and software frameworks supporting Java Card‑based solutions. Knowledge of smart card technologies, EMV standards, SDK development, and secure application development in constrained environments will be considered an added advantage.

Key Responsibilities:

• Design and develop Java‑based applications, SDKs, libraries, and developer tools for smart card and secure payment platforms.
• Build APIs and frameworks for interaction with Secure Elements, Java Cards, and mobile wallets.
• Develop sample applications, reference implementations, and technical documentation for SDK consumers.
• Implement EMV, GlobalPlatform, and ISO 7816/14443 compliant applications.
• Develop secure and optimized code considering memory and performance constraints.
• Perform applet debugging, testing, and validation using industry‑standard tools.
• Manage applet lifecycle (installation, personalization, deletion) using GlobalPlatform.
• Work on secure key management, cryptographic operations, and data protection.
• Collaborate with cross‑functional teams including host system, personalization, and certification teams.
• Analyse and resolve issues in card‑host interaction and transaction flows.
• Maintain technical documentation and support production deployments.

Skills:

• 3+ years experience in software development and qualification of Java Card Payment Application
• Prior Experience to developed payment card applet with any SCHEME
• In depth knowledge of EMV standard and global platform standard.
• Programming experience in Java or Python
• Experience developing SDKs, APIs, libraries, or developer tools.
• Experience with card personalization tools like MULTOS, GPPro, Gemalto IDV or similar.
• Should possesses the functional knowledge of ISO 14443 / 7816 / 8583 / 9564.
• Experience with debugging tools like PyAPDU, GPShell, or JCOP tools.
• Strong knowledge of chip manufacturing industry is needed.
• Strong understanding of EMV standards, cryptographic algorithms (AES, RSA, ECC, PQC).
• Familiarity with HSM and secure element programming.
• Experience in card manufacturing industry.
• Experience in PKI and Certificate Management
• Collaborate with teams on certification processes (EMVCo, PCI DSS, etc.)
• Good to have EMV certifications.

Preferred Qualifications:

• Bachelors or masters degree in computer science or in a related field.
• 3 years of relevant experience is must.
• Previous experience in payment networks requirements likes (Visa, Mastercard, Rupay, etc.) is a plus.Role & responsibilities