Role Overview

The Relationship Manager will own end-to-end partner management for issuing banks, driving growth, adoption, and profitability of NPCI 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

- 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.
- Business Growth Revenue Ownership - Drive PL 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 - Analyse portfolio performance using transaction, spend, activation, and behavioral datasets.
- Build dashboards and MIS to track: Card issuance activation, spend trends, merchant categories, customer lifecycle metrics, and revenue cost drivers.
- Use analytics to identify growth levers and dormant segments; Optimize campaign ROI; Forecast revenue and portfolio growth.
- Drive data-backed decision-making across stakeholders.
- Program Project Management - Lead end-to-end execution of: Credit card launches, Co-branded programs, Incentive campaigns, 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 - Ensure adherence to RBI guidelines, NPCI policies, and card network regulations.
- Monitor and mitigate risks related to: Credit exposure; Fraud trends; Operational lapses.
- Support audit requirements, compliance reporting, and governance frameworks.
- 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.
- Market Intelligence Innovation - Track industry trends, competitor strategies,



and emerging payment technologies.
- Identify opportunities in: UPI-credit convergence; Embedded finance; Digital-first credit ecosystems.
- Suggest innovative product features and business models.
- AI Automation Capabilities - Leverage AI tools for: Data analysis, predictive modelling, portfolio segmentation targeting, revenue forecasting trend analysis, automated MIS and reporting.
- Use AI for: Workflow automation (CRM updates, tracking, follow-ups); compliance checks, anomaly detection; dashboard interpretation and insights generation.
- Required Skills Experience - 36+ years in Cards, Digital Payments, or Banking Partnerships.
- Strong experience in: Credit Cards; Acquiring ecosystem merchant payments; UPI and digital payment solutions.
- Proven ability to: Drive business growth revenue targets; Manage large enterprise/bank relationships.
- Robust PL understanding and commercial acumen.
- Advanced analytical and problem-solving skills (Excel, SQL tools, etc preferred).
- Strong project management, presentation and execution skills.
- Excellent 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.

Disclaimer : This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.

📌 Lead Relationship Management (Mumbai)
🏢 National Payments Corporation Of India (NPCI)
📍 Mumbai