The chance
You will be part of NPCI’s Market Innovation team, working at the intersection of advanced machine learning, deep learning, graph AI, and Generative AI to build next-generation intelligent systems for India’s digital payments ecosystem.
This role focuses on solving India-scale problems such as fraud detection, mule/AML risk modeling, transaction intelligence, and conversational AI, using both classical ML and cutting-edge AI architectures (LLMs, GNNs, Transformers).
You will design end-to-end AI systems—from problem formulation, feature engineering, and model development to GPU-accelerated optimization and production deployment, ensuring low latency, scalability, and robustness.
The role offers a unique opportunity to work on:
Graph-based fraud detection systems
LLM-powered platforms (RAG workflows)
GPU/CUDA optimized AI pipelines
Privacy-preserving and federated AI systems
You will collaborate with top academic institutions (IITs/IISc) and cross-functional teams to push the boundaries of applied AI in financial systems.

Job details
Job Title:



Data Scientist - Associate Fraud and Federated AI
Division: NPCI Market Innovation
Experience: 1 to 3 Years
Education: B.Tech / M.Tech / MSc / MCA (PhD preferred) in CS, AI, DS, Mathematics or related field
Employment Type: Full-time
Location: Mumbai & Hyderabad
Role Type: Permanent

Key responsibilities
Machine Learning & Advanced Modeling
Develop and deploy ML/DL models (Logistic Regression, RF, XGBoost, NN, CNN, Transformers, GANs)
Build models for fraud detection, AML, anomaly detection, transaction intelligence
Work on imbalanced datasets using advanced sampling and cost-sensitive learning
Graph AI & Advanced Systems
Design Graph AI models: GNN, GCN, GAT, temporal graph networks
Apply network analytics for fraud rings, mule detection, behavioral risk signals
Generative AI
Build LLM-powered applications (chatbots, complaint intelligence, document analysis)
Implement:
RAG pipelines
Prompt engineering & LLM

📌 Associate Fraud and Federated AI (India)
🏢 National Payments Corporation Of India (NPCI)
📍 India