Lead - RuPay Growth

National Payments Corporation of India; Mumbai; On-site; INR 1,500,000 - 2,000,000; Full time

Benefits offered by this job

Comprehensive Coverage

Parental Leave

Mobility Benefits

Provident Fund Contributions

Job summary

National Payments Corporation of India is seeking a Commercial Cards Product Manager to spearhead scalable corporate and travel card solutions. Your role will involve collaborating with banks and partners to enhance payment efficiency and effectiveness.

We seek a candidate with extensive experience in commercial card management and insights into payment ecosystems. Join us to drive innovation in digital payments and make a meaningful impact.

Qualifications

• 7–10 years of experience in commercial cards product management.
• Hands-on experience with virtual cards and expense management solutions.
• Strong understanding of corporate payment ecosystems.

Responsibilities

• Define and execute the commercial cards product strategy.
• Drive adoption of Purchase, Corporate, and Travel Cards.
• Support issuers in building value propositions.

Skills

Commercial card expertise

Stakeholder management

Analytical skills

Communication skills

Problem-solving abilities

AI and automation experience

Tools

ERP systems (SAP, Oracle)

Expense management solutions

Job description

National Payments Corporation of India (NPCI) | Full Time

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.

To learn more about our company please click on link AboutNPCI

Employee Perks and 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 wellbeing 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 (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.

Commercial Cards Product Manager

This role focuses on delivering scalable and differentiated corporate, purchase, and travel card solutions, enabling corporates to optimise payments, enhance expense visibility, and improve operational efficiency.

The ideal candidate will have strong domain expertise in commercial cards, deep knowledge of corporate payment ecosystems, and hands‑on experience delivering complex, technology‑driven solutions such as virtual cards and expense management integrations.

This role requires strong commercial acumen, stakeholder collaboration, and the ability to deliver results in a high‑pressure, execution‑driven environment.

Qualifications & Experience

• 7–10 years of experience in commercial cards product management within banking, payments, or card networks.
• Experience managing Purchase, Corporate, and Travel Cards.
• Hands‑on experience with virtual cards and expense management solutions.
• Strong understanding of GDS and travel payment ecosystems.
• Experience with ERP integrations (SAP, Oracle, etc.).
• Knowledge of Commercial Cards P&L and portfolio economics.
• Proven ability to deliver in high‑pressure environments.
• Strong stakeholder management and collaboration skills.
• Excellent analytical, communication, and problem‑solving abilities.
• AI and automation experience is mandatory.

Key Responsibilities

• Define and execute the commercial cards product strategy across issuing banks and ecosystem partners.
• Drive adoption and growth of Purchase Cards, Corporate Cards, and Travel Cards across enterprise and mid‑market segments.
• Identify new business opportunities, emerging use cases, and industry trends.
• Support issuers in building differentiated value propositions and go‑to‑market strategies.

Product Development & Delivery

• Lead end‑to‑end delivery of commercial card product initiatives, including:
  • Virtual card solutions
  • Expense management system integrations
  • Travel and procurement payment workflows
• Manage the product lifecycle from ideation to implementation and scaling.
• Collaborate with technology teams to ensure seamless integrations.
• Ensure timely and high‑quality delivery in fast‑paced environments.

Corporate Payments Ecosystem Integration

• Develop expertise in corporate workflows such as procurement, travel, and expense management.
• Drive integrations with ERP systems (e.g. SAP, Oracle, etc.).Support travel‑related payment flows, including Global Distribution Systems (GDS).
• Enable automation in reconciliation, reporting, and payment processes.

Commercial Ownership & P&L Management

• Own and optimise Commercial Cards P&L (revenue growth, cost, and profitability).
• Drive card usage, transaction volume, and corporate engagement.
• Monitor key performance metrics such as spend growth, card issuance, activation, and profitability.

Stakeholder & Partner Management

• Collaborate with issuing banks, fintechs, ERP providers, and corporate clients.
• Work closely with internal teams including technology, risk, operations, and sales.
• Manage external vendors and solution providers.
• Act as a subject‑matter expert for commercial card capabilities.

Market Development & Innovation

• Stay updated on market trends in commercial payments and B2B automation.
• Drive innovation in areas such as:
  • Tokenisation‑based payments
  • Embedded finance
  • Automated expense and travel workflows
  • Benchmark competitor offerings and recommend enhancements.

Preferred Skills

• Experience working with card networks or payment schemes.
• Knowledge of B2B payment automation and supplier payments.
• Familiarity with reconciliation, reporting, and settlement workflows.
• Experience with enterprise‑level corporate clients.
• Understanding of regulatory and compliance frameworks in payments.