Senior Lead Acceptance

National Payments Corporation of India (NPCI); Mumbai; On-site; INR 1,800,000 - 3,200,000; Full time

Job summary

National Payments Corporation of India (NPCI) seeks a RuPay Product Senior Lead / Dy. Incharge - Core to build and evolve core RuPay capabilities. Architect large-scale payment platforms, drive tokenization strategies across NFC, HCE, and OEM Pay, and ensure secure, seamless customer journeys.

Collaborate with banks, networks, and fintechs, maintain compliance with security standards, and monitor product performance to optimize transaction success rates.

Qualifications

• Strong Product Management experience in Digital Payments, Banking, Fintech, or Financial Services.
• Deep understanding of UPI, payment systems, APIs, and digital payment ecosystems.
• Experience managing large-scale products from conception to launch and optimization.
• Strong analytical, problem-solving, and stakeholder management skills.
• Exposure to AI, GenAI, Machine Learning, data analytics, and platform products is highly desirable.
• Excellent communication and executive presentation skills.

Responsibilities

• Lead the end-to-end product ownership of RuPay Device/Card Tokenization solutions.
• Drive strategy, development, and lifecycle management of tokenization products across ecosystems (NFC, HCE, OEM Pay, etc.).
• Design and oversee payment flows, ensuring seamless and secure customer journeys across channels.
• Work closely with technology teams to define and validate product APIs, integration flows, and architecture.
• Collaborate with internal and external stakeholders (banks, networks, OEMs, fintechs) for product adoption and ecosystem expansion.
• Ensure compliance with network rules, security standards, and regulatory guidelines.
• Monitor product performance, usage metrics, and continuously improve customer experience and transaction success rates.

Skills

Device tokenization

Payment ecosystems

API design

Integration flows

Digital payments

NFC

Mobile wallets

Tokenization

Stakeholder management

Communication skills

Job description

Job Summary

The RuPay Product Senior Lead / Dy. Incharge - Core is responsible for building, enhancing, and evolving the core product capabilities of the RuPay card network. The role focuses on architecting large-scale payment platforms, strengthening the scheme core infrastructure, driving innovation aligned with global card payment ecosystems, and ensuring best-in-class product design.

Key Responsibilities

• Lead the end-to-end product ownership of RuPay Device/Card Tokenization solutions.
• Drive strategy, development, and lifecycle management of tokenization products across ecosystems (NFC, HCE, OEM Pay, etc.).
• Design and oversee payment flows, ensuring seamless and secure customer journeys across channels.
• Work closely with technology teams to define and validate product APIs, integration flows, and architecture.
• Collaborate with internal and external stakeholders (banks, networks, OEMs, fintechs) for product adoption and ecosystem expansion.
• Ensure compliance with network rules, security standards, and regulatory guidelines.
• Monitor product performance, usage metrics, and continuously improve customer experience and transaction success rates.

Core Competencies

• Strong understanding of device card tokenization.
• Deep knowledge of payment ecosystems, transaction flows (Card Present Card Not Present).
• Expertise in API-based product design and integration flows.
• Familiarity with digital payments, NFC, mobile wallets, and token requestor ecosystems.

Requirements

• Strong Product Management experience in Digital Payments, Banking, Fintech, or Financial Services.
• Deep understanding of UPI, payment systems, APIs, and digital payment ecosystems.
• Experience managing large-scale products from conception to launch and optimization.
• Strong analytical, problem-solving, and stakeholder management skills.
• Exposure to AI, GenAI, Machine Learning, data analytics, and platform products is highly desirable.
• Excellent communication and executive presentation skills.