Relationship Manager – NPCI Digital Payments (RuPay Credit Card)

Location: Mumbai / Pan-India

Department: Cards & Digital Payments 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 (GTM) strategies for business, program launches, and ongoing business optimization. Key Responsibilities:

1.

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. 2.

Business

Growth & Revenue Ownership

- Drive P&L; for assigned bank portfolios, including revenue realization, cost optimization, and profitability.
- Achieve card issuance, spends & 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 (RuPay CC UPI, cards, tokenization, etc.).
- Data Analytics & Insights (Strengthened)
- Analyse portfolio performance using transaction, spend, activation, and behavioral datasets.
- Build dashboards and MIS to track: o Card issuance & activation o Spend trends & merchant categories o Customer lifecycle metrics o Revenue & cost drivers
- Use analytics to: o Identify growth levers and dormant segments o Optimize campaign ROI o Forecast revenue and portfolio growth
- Drive data-backed decision-making across stakeholders.
- Program & Project Management
- Lead end-to-end execution of: o Credit card launches o Co-branded programs o Incentive campaigns o 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: o Credit exposure o Fraud trends o Operational lapses
- Support audit requirements, compliance reporting, and governance frameworks. 7.

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. 8.

Market

Intelligence & Innovation

- Track industry trends, competitor strategies, and emerging payment technologies.
- Identify opportunities in: o UPI-credit convergence o Embedded finance o Digital-first credit ecosystems
- Suggest innovative product features and business models.
- AI & Automation Capabilities (Expanded)
- Leverage AI tools for: o Data analysis & predictive modelling o Portfolio segmentation & targeting o Revenue forecasting & trend analysis o Automated MIS and reporting
- Use AI for: o Workflow automation (CRM updates, tracking, follow-ups)

o Compliance checks & anomaly detection o Dashboard interpretation and insights generation Required Skills &

Experience (Enhanced)

- 3–6+ years in Cards, Digital Payments, or Banking Partnerships.
- Strong experience in: o Credit Cards o Acquiring ecosystem & merchant payments o UPI and digital payment solutions
- Proven ability to: o Drive business growth & revenue targets o Manage large enterprise/bank relationships
- Robust P&L; understanding and commercial acumen.
- Advanced analytical and problem-solving skills (Excel, SQL tools, etc preferred).
- 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.

📌 Lead Relationship Management (Mumbai)
🏢 NPCI
📍 Mumbai