Lead Business Operations

NPCI; Mumbai; On-site; INR 1,800,000 - 3,000,000; Full time

Benefits offered by this job

Insurance & Wellness

Annual Wellness Bouquet

Parental Leave

Mobility & Relocation Support

Job summary

NPCI is seeking a proactive Lead – Business Operations (UPI & RuPay) to drive end-to-end project management and operational excellence. You will manage back-office requirements, partner interactions, and ensure high-quality payment operations across UPI and RuPay networks.

The role demands strong leadership, familiarity with real-time payment systems, and the ability to coordinate across IT, risk, and banking partners. MBA and 8–10 years of experience are preferred.

Qualifications

• Experience in payment systems or banking operations preferred.
• Strong understanding of UPI, RuPay, and real-time payment flows.
• Ability to lead teams and manage projects end-to-end.

Responsibilities

• Lead Project Management and Business Operations for UPI and RuPay.
• Oversee back-office requirements, partner handling, and day-to-day operations.
• Coordinate with IT, product, risk, and banking partners for deployments.
• Ensure regulatory compliance and operational SLAs.
• Develop dashboards, MIS, and insights for leadership.

Skills

macro-based automation

channels

+27

SQL

Education

Bachelor’s degree in Computer Science, Engineering, or Finance

MBA preferred

Tools

SQL

Job description

National Payments Corporation of India (NPCI) | Full Time

• Department NIPL Technical Account Management
• Date Opened 23/06/2026
• Experience Level Associate
• State/Province Maharashtra
• Required Skills
  • macro-based automation so...
  • channels
  • +27
• Job Type Full Time

About Us

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

TheNPCIWAY –OurGuidingPrinciples

At NPCI, we foster a culture of Inclusion, Innovation, and a High-Performance Workplace .

The NPCIWAY isnotjustaframework - it’sasharedcommitmentbyevery individual to align with our evolving business needs, dynamic market conditions, and workforce expectations.

FiveTenetsoftheNPCIWAY

• ForwardThinkingMind-Set
• CustomerFirst
• LeadWith Purpose
• PassiontoDeliver
• AllSucceedTogether

Employee Perks and Benefits

Insurance&Wellness:

• ComprehensiveCoverage :Medical,accidental,andlifeinsurance.
• Employee Assistance Program : Onsite medical center, financial/legal counselling, mental wellness.
• AnnualWellnessBouquet :Holisticwellbeingsupport

Family &Childcare

• ParentalLeave :Inclusivematernityandpaternityleave.
  
• Nanny at home Support: Assistance for Working Parents
  

Mobility&Lifestyle

• MobilityBenefits :Relocation,transfers,andtravelsupport.
  
• HomeLoanInterestSupport :Upto50%reimbursement*
  
• MobileReimbursement :Newhandsetevery2years.
  
• CarLease,SalaryAdvance,SubsidizedMeals.
• Reward&RecognitionProgram.
• TechnologyInnovation: PatentsandIPRightspolicy.

RetirementPlanning

• ProvidentFund(PF) and Gratuity Contributions .

Why Join Us

At NPCI, you’ll be part of a purpose-driven organization shaping the future of digital payments in India and beyond. NPCI offers a unique opportunity to work on cutting‑edge projects that directly impact millions. We foster a culture of innovation, inclusion, and high performance, where every individual is empowered to lead with purpose and deliver with passion. With a strong focus on employee wellbeing, continuous learning, and collaborative success, NPCI is more than just a workplace - it’s a platform to grow, contribute, and make a meaningful difference.

Job Description and DutiesLead – Business Operations (UPI & RuPay), NIPLReports to: In charge, Business Operations, NIPL

Job Responsibilities: We are looking for an experienced and proactive Team Leader – Project Management and Business Operations The candidate will primarily lead Project Management role with regards to handling all requirement of the partners from Back-office perspective and will oversee the day to day functioning of UPI and RuPay operations.The ideal candidate will lead a team responsible for Project Management, i.e manage the project end to end from Back Office perspective. Smooth payment operations, ensuring high-quality service delivery, regulatory compliance, and continuous improvement of operational processes1. Team Leadership & People Management Lead, mentor, and manage the Business Operations team handling UPI and RuPay operations. Allocate tasks, review team outputs, monitor performance, and ensure timely issue resolution. Build operational capability through training, knowledge sessions, and continuous feedback.2. Project Management Skills Working knowledge of UPI ecosystem (NPCI, PSP banks, TPAPs, issuers, acquirers) Awareness of transaction flows, reversals, disputes, chargebacks, and settlements Dependency management across IT, operations, compliance, vendor, and NPCI teams Managing escalations and stakeholder expectations SOP creation and updates for UPI back-office activities Preparing: BRDs / FRDs, UAT sign off documents, Compliance & audit documentation Basic understanding of SQL / data analysis is an added advantage Coordinating UAT, signoffs, production rollouts Tracking post-release issues and stabilization Influencing teams without direct reporting authority Decision making under operational pressure3. UPI & RuPay Operations Oversight Supervise end-to-end clearing and settlement operations for UPI and RuPay, including settlement to domestic and international partners. Ensure operational SLAs, TATs, and service benchmarks are consistently met.4. Transaction Monitoring & Issue Resolution Review and analyze transaction trends, declines, and exceptions identified by the team. Drive decline reduction initiatives with banks, TPAPs, PSPs, and international partners. Act as the primary escalation point for operational issues and incidents.5. Payment System Maintenance & Coordination Work closely with internal Technology, Product, and Risk teams to manage system enhancements, updates, and change requests. Conduct periodic operational readiness checks and support new feature deployments.6. Regulatory & Compliance Governance Ensure strict adherence to NPCI, RBI, and internal regulatory guidelines. Maintain compliance documentation, process notes, SOPs, and audit readiness. Support internal and external audits with timely data and clarifications.7. Data Analytics & Business Insights Oversee preparation of analytical dashboards, MIS, and operational reports. Translate data insights into actionable recommendations for product, business, and senior leadership. Identify opportunities for automation and process optimization.8. Stakeholder Management Represent Business Operations in discussions with Banks, TPAPs, international partners, and internal cross-functional teams. Conduct periodic performance reviews with stakeholders and ensure alignment on operational KPIs. Ensure effective communication of updates, incidents, and insights to senior management.9. Strategic Initiatives Support strategy formulation to optimize UPI & RuPay transaction volumes. Work on initiatives to improve customer experience, merchant acceptance, and partner performance. Lead operational projects focused on scalability, efficiency, and risk reduction.

Skills & Qualifications Education Bachelor’s degree in Computer Science, Engineering, Finance, or a related field. A postgraduate degree (MBA preferred) is an added advantage. Experience Minimum 8–10 years of experience in payment systems, digital payments, or banking operations. Minimum 5+ years of team leadership or supervisory experience. Technical Skills Strong understanding of UPI, RuPay, and real-time payment systems. Experience with transaction processing, settlement operations, dispute handling, and operational risk. Familiarity with RBI/NPCI guidelines, compliance standards, and data security norms. Soft Skills Excellent communication, stakeholder handling, and presentation skills. Strong leadership, decision-making, and conflict resolution abilities. Ability to work under pressure, manage deadlines, and drive team accountability. Analytical mindset with a focus on operational excellence and continuous improvement.