Lead Relationship Management

NPCI International; Mumbai; On-site; INR 1,000,000 - 1,500,000; Full time

Benefits offered by this job

Comprehensive Medical Coverage

Employee Assistance Program

Annual Wellness Bouquet

Parental Leave

Mobility Benefits

Reward & Recognition Program

Job summary

NPCI International is seeking a Relationship Manager to oversee partner bank relationships, focusing on growth, adoption, and profitability of digital payment products. The ideal candidate will have 3–6+ years of experience in cards or digital payments and will manage P&L, ensuring effective go-to-market strategies and executing joint marketing initiatives.

This role offers a competitive salary and comprehensive employee benefits including medical insurance, wellness programs, and mobility benefits.

Qualifications

• 3–6+ years of experience in Cards or Digital Payments.
• Proven ability to drive revenue and manage large relationships.
• Strong project management and analytical skills.

Responsibilities

• Manage relationships with issuing banks, aligning strategy and growth.
• Drive P&L and ensure profitability of bank portfolios.
• Implement go-to-market strategies for digital payment products.

Skills

Cards, Digital Payments, or Banking Partnerships

Credit Cards and Acquiring ecosystem

Business growth management

Analytical skills (Excel, SQL)

Project management

Excellent communication skills

Job description

Relationship Manager – NPCI Digital Payments (RuPay Credit Card)

Location: Mumbai / Pan-India
Department: Cards & Digital Payments
Job Type: Full Time

Role Overview

The Relationship Manager will own end-to-end partner management for issuing banks, driving growth, adoption, and profitability of NPCI’s Digital Payment products, especially RuPay Credit Cards. The role requires a blend of business ownership, data-driven decision-making, ecosystem understanding, and execution excellence, with strong focus on revenue generation, portfolio scaling, and strategic partnerships. The incumbent will act as a bridge between partner banks and internal stakeholders, ensuring seamless execution of go-to-market strategies for business, program launches, and ongoing business optimization.

Key Responsibilities

• Strategic Relationship & Account Management: Own and manage end-to-end relationships with issuing banks, including CXOs and key decision-makers; develop account growth strategies with clear revenue, activation, and market share targets; conduct structured governance: QBRs, MBRs, performance reviews, and executive updates; identify cross-sell/upsell opportunities within partner portfolios.
• Business Growth & Revenue Ownership: Drive P&L for assigned bank portfolios, including revenue realization, cost optimization, and profitability; achieve card issuance, spend & activation targets across RuPay Cards Portfolio; design incentive structures, pricing models, and commercial frameworks.
• Go-to-Market (GTM) & Product Adoption: Define and execute GTM strategies for new product & project launches (e.g., RuPay CC on UPI, contactless, tokenization); drive customer acquisition and activation campaigns in collaboration with banks; conceptualize and execute joint marketing initiatives, partnerships, and promotions; ensure feature adoption across digital payment products.
• Data Analytics & Insights (Strengthened): Analyse portfolio performance using transaction, spend, activation, and behavioral datasets; build dashboards and MIS to track card issuance & activation, spend trends & merchant categories, customer lifecycle metrics, revenue & cost drivers; use analytics to identify growth levers, dormant segments, optimise campaign ROI, and forecast revenue and portfolio growth; drive data-backed decision-making across stakeholders.
• Program & Project Management: Lead end-to-end execution of credit card launches, co-branded programs, incentive campaigns, regulatory or system upgrades; manage multiple concurrent initiatives with defined timelines and deliverables; coordinate with tech, ops, risk, compliance, marketing, product, and finance teams for execution.
• Risk, Compliance & Regulatory Alignment (Added Gap): Ensure adherence to RBI guidelines, NPCI policies, and card network regulations; monitor and mitigate risks related to credit exposure, fraud trends, operational lapses; support audit requirements, compliance reporting, and governance frameworks.
• Customer Experience & Issue Resolution: Manage partner escalations and resolve within defined TAT; improve end-customer experience through continuous feedback loops; identify bottlenecks in customer journeys and drive improvements.
• Market Intelligence & Innovation: Track industry trends, competitor strategies, and emerging payment technologies; identify opportunities in UPI-credit convergence, embedded finance, digital-first credit ecosystems; suggest innovative product features and business models.
• AI & Automation Capabilities (Expanded): Leverage AI tools for data analysis & predictive modelling, portfolio segmentation & targeting, revenue forecasting & trend analysis, automated MIS and reporting; use AI for workflow automation (CRM updates, tracking, follow-ups), compliance checks & anomaly detection, dashboard interpretation and insights generation.

Required Skills & Experience

• 3–6+ years in Cards, Digital Payments, or Banking Partnerships.
• Strong experience in Credit Cards, Acquiring ecosystem & merchant payments, UPI and digital payment solutions.
• Proven ability to drive business growth & revenue targets, manage large enterprise/bank relationships.
• Strong P&L understanding and commercial acumen.
• Advanced analytical and problem-solving skills (Excel, SQL tools, etc.).
• Strong project management, presentation and execution skills.
• Excellent communication, negotiation, and stakeholder management.

Preferred Skills

• Experience with NPCI or bank ecosystem / RuPay / UPI products.
• Exposure to co-branded card programs and digital lending/credit lifecycle.
• Familiarity with data tools.
• Understanding of regulatory frameworks (RBI, PCI‑DSS, card compliance).
• Experience in fintech collaborations or digital‑first banking models.

Benefits

• Insurance & Wellness: Comprehensive Coverage – Medical, accidental, and life insurance.
• Employee Assistance Program: Onsite medical center, financial/legal counselling, mental wellness.
• Annual Wellness Bouquet: Holistic well-being support.
• Family & Childcare: Parental Leave – inclusive maternity and paternity leave; Daycare Support – assistance for working parents.
• Mobility & Lifestyle: 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.
• Reward & Recognition Program.
• Technology Innovation: Patents and IP Rights policy.
• Retirement Planning: Provident Fund and Gratuity Contributions.

EEO Statement

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.