Senior Lead - Application Development (AePS, IMPS & NETC)

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

Benefits offered by this job

Comprehensive medical insurance

Family and childcare support

Mobility and lifestyle benefits

Job summary

National Payments Corporation of India is looking for a seasoned professional to develop and implement streaming systems for NETC FASTag transactions. This pivotal role demands expertise in Java, particularly with frameworks like Kafka and Spring, as well as a strong background in low-latency system design.

Candidates should have a proven track record of delivering high-volume distributed systems. The position is full-time and offers a rich array of benefits, including comprehensive medical insurance and relocation support.

Qualifications

• Experience in architecting and delivering high-volume distributed systems.
• Strong understanding of JVM internals and multithreading.
• Familiarity with security protocols and compliance standards.

Responsibilities

• Design and implement event-driven data pipelines.
• Build low-latency systems using Java-based frameworks.
• Collaborate with analytics teams to deploy models.

Skills

Java (Java 11/17+)

Spring Boot

Kafka Streams

Apache Flink

NoSQL Databases (Cassandra, Redis)

Docker

CI/CD Tools (Jenkins, GitLab CI)

Education

10–15+ years of experience in system development

Tools

Terraform

Prometheus

Job description

National Payments Corporation of India (NPCI) | Full Time

• Department: AePS, IMPS, NETC Application Development
• Date Opened: 25/06/2026
• State/Province: Maharashtra
• Job Location: Chennai; Hyderabad; Mumbai
• 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.

NPCI is an Equal Opportunity Employer and 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. The NPCIWAY is a shared commitment to align individual actions with evolving business needs, dynamic market conditions, and workforce expectations.

Key Responsibilities

• Design and implement event‑driven, stream‑processing pipelines for NETC FASTag transactions, mapper, and settlement workflows.
• Build low‑latency, high‑throughput systems using Java‑based streaming frameworks such as Apache Kafka/Kafka Streams, Apache Flink, or Spark Structured Streaming.
• Ensure exactly‑once processing, idempotency, and fault tolerance across acquirer–NPCI–issuer hops.
• Handle large‑scale streams of toll read events, ANPR images, tag metadata, and settlement files with predictable latency.
• Design rules‑driven and data‑driven decisioning components for ANPR/VRN validation, tag/vehicle class mismatch detection, fraud and anomaly detection, and intelligent dispute prioritization.
• Collaborate with data science/analytics teams to operationalize models, ensuring smooth integration into the streaming platform.
• Integrate streaming and decisioning components into NETC core switching, mapper, clearing, and settlement systems.
• Design for high availability, resilience, and disaster recovery across active‑active data centres.
• Build and maintain observability (metrics, logs, traces) for NPCI operations, member banks, and plaza operators.
• Ensure solutions comply with RBI, NHAI/IHMCL, MoRTH regulatory expectations and NPCI security and data governance standards.
• Serve as technical authority for stream processing and platform engineering within the NETC FASTag platform; mentor junior engineers and drive engineering best practices.
• Evaluate and govern vendor/OEM solutions without creating dependency; maintain core architecture and platform knowledge within NPCI.

Required Qualifications & Experience

10–15+ years of experience in enterprise‑grade, mission‑critical system development. Proven track record of architecting and delivering high‑volume, low‑latency, distributed systems in payments, switching, banking, or tolling/mobility domains.

Required Technical Skills – Programming & Frameworks

• Java (Java 11/17+) with strong understanding of JVM internals, garbage collection tuning, and multithreading & concurrency.
• Spring Ecosystem: Spring Boot, Spring Cloud, Spring WebFlux (Reactive Programming).
• Project Reactor, RxJava.
• API Development: RESTful APIs, gRPC, Protocol Buffers, JSON/Avro Serialization.

Stream Processing & Messaging

• Kafka Streams, KRaft Mode, Schema Registry.
• Apache Flink and/or Spark Structured Streaming.
• CQRS, Event Sourcing, Stateful Stream Processing.
• Exactly‑Once Processing Semantics, Idempotency.

Data & Storage

• NoSQL Databases: Cassandra, Redis, Couchbase, Equivalent large‑scale NoSQL platforms.
• Oracle; Database Optimization (partitioning, sharding, indexing strategies).
• Data Modeling for High‑Write Systems and Low‑Latency OLTP workloads.
• Object Storage: Amazon S3, MinIO.
• Image and File Archival Solutions.
• Service Mesh Technologies: Istio, Linkerd.
• API Gateway Implementations.
• Distributed Systems Concepts: CAP Theorem, Consensus Algorithms (Raft/Paxos), Distributed Transactions, Saga Patterns.
• High Availability & Disaster Recovery: Active‑Active deployments, Multi‑Data Center architectures.
• Performance Engineering: Capacity Planning, Load Testing, TPS Optimization at National Scale.

DevOps, Cloud‑Native & Observability

• Containerization & Orchestration: Docker, Kubernetes, Helm.
• CI/CD Tools: Jenkins, GitLab CI, Azure DevOps.
• Source Control & Git Workflows.
• Infrastructure as Code (IaC): Terraform, Ansible.
• Monitoring & Observability: Prometheus, Grafana, ELK Stack/OpenSearch, Jaeger, OpenTelemetry.

Security & Compliance

• Security Protocols: TLS/mTLS, HSM Integration, Key Management, Tokenization.
• Secure Coding: OWASP Standards, Vulnerability Assessment & Remediation.
• Regulatory & Compliance Knowledge: PCI‑DSS, RBI Cybersecurity Guidelines, Audit Trail Design.

Good‑to‑Have Skills (Preferred)

Rules & Decision Engines

• Drools, Easy Rules, Equivalent Decision Orchestration Frameworks.
• Python‑based ML Frameworks: scikit‑learn, PyTorch, TensorFlow.
• ONNX, MLflow.

Computer Vision & OCR

• OpenCV, Commercial ANPR SDKs, Automatic Number Plate Recognition (ANPR) Technologies.

Benefits

• Insurance & Wellness: Comprehensive medical, accidental, and life insurance; employee assistance program; annual wellness bouquet.
• Family & Childcare: Inclusive maternity and paternity leave; daycare support for working parents.
• Mobility & Lifestyle: Relocation, transfer, 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.