Senior Associate Java Developer

NPCI International; Mumbai; On-site; INR 1,800,000 - 3,200,000; Full time

Benefits offered by this job

Comprehensive coverage (medical, life)

Employee assistance program

Parental leave

Nanny at home support

Mobility benefits

Home loan interest support

Mobile reimbursement

Meal subsidies

Reward & recognition program

Technology innovation

Job summary

National Payments Corporation of India (NPCI) invites an experienced software developer to design and build Java Card payment applications and SDKs for secure payment platforms in Mumbai. You will implement EMV, GlobalPlatform, and ISO 7816/14443 compliant solutions, while ensuring secure key management and robust analytics.

You will collaborate with certification teams and host systems to deliver production-grade components, documentation, and reference implementations for SDK consumers across

Qualifications

• Bachelor’s or master’s degree in computer science or related field.
• 5 years of relevant experience is a must.
• Experience in payment networks (Visa, Mastercard, Rupay) preferred.

Responsibilities

• Design and develop Java-based applications and SDKs for secure payment platforms.
• Build APIs for interaction with Secure Elements, Java Cards, and mobile wallets.
• Develop sample applications, reference implementations, and technical docs for SDK consumers.
• Implement EMV, GlobalPlatform, and ISO 7816/14443 compliant apps.
• Develop secure and optimized code with memory and performance in mind.
• Perform applet debugging, testing, and validation with industry tools.
• Work on secure key management, cryptographic operations, and data protection.
• Collaborate with cross-functional teams including host system and certification.
• Analyze and resolve issues in card-host interaction and transaction flows.
• Maintain technical documentation and support production deployments.

Skills

Java Card Payment Apps

Card applet development

EMV standards

Java/Python

Card personalization tools

ISO 14443/7816/8583/9564

PKI & certificate management

HSM & secure element programming

Education

Bachelor’s or Master’s in CS or related field

Tools

MULTOS

GPPro

Gemalto IDV

JCOP tools

GPShell

PyAPDU

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.

Our Culture

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

TheNPCIWAY –OurGuidingPrinciples

The NPCIWAY is not just a framework - it’s a shared commitment by every 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, and life insurance.
• Employee Assistance Program: Onsite medical center, financial/legal counselling, mental wellness.
• AnnualWellnessBouquet: Holistic wellbeing support

Family &Childcare

• ParentalLeave: Inclusive maternity and paternity leave.
• Nanny at home Support: Assistance for Working Parents

Mobility&Lifestyle

• MobilityBenefits: Relocation, transfers, and travel support.
• HomeLoanInterestSupport: Upto50%reimbursement*
• MobileReimbursement: New handset every 2 years.
• CarLease, SalaryAdvance, SubsidizedMeals.
• Reward&RecognitionProgram.
• TechnologyInnovation: Patents and IP Rights policy.

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.

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.
• 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

• 5+ 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 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. Soft Skills
• Strong problem-solving and analytical skills
• Ability to work independently and in a team
• Good communication and documentation skills
• Attention to detail with a focus on security

Requirements

• Preferred Qualifications:
• Bachelor’s or master’s degree in computer science or in a related field.
• 5 years of relevant experience is must.
• Previous experience in payment networks requirements likes (Visa, Mastercard, Rupay, etc.) is