The role will drive RuPay Acceptance, Affordability on UPI, Merchant Growth, AI-led Payments Innovation, Ecosystem Expansion, and Product Delivery across domestic and international payment acceptance ecosystems.

Key Responsibilities

Product Innovation & Delivery

• Build a comprehensive RuPay acceptance strategy for domestic and international POS/E-com.

• Define segment-specific playbooks for micro-merchants, MSMEs, organized retail, travel, hospitality, and cross-border clusters.

• Collaborate with acquirers and PAs to streamline merchant onboarding, pricing, and settlement flows.

Affordability on UPI

• Drive merchant acceptance of credit on UPI, including RuPay Credit Card on UPI and Credit Line on UPI, across QR, intent, and collect flows.

• Build and scale EMI and installment constructs at checkout, working with issuers, PAs, and merchants on offer design, funding models, and seamless customer journeys.

• Expand affordability acceptance into high-ticket and aspirational categories such as electronics, travel, education, healthcare, and home improvement.





• Work with TPAPs, banks, and internal teams to remove friction in credit-on-UPI discovery, eligibility, and checkout experience.

AI-led Acceptance & Growth

• Apply AI/ML models for merchant segmentation and targeting, identifying high-potential merchants and categories for acceptance and affordability expansion.

• Use AI-driven insights to predict and reduce transaction declines, improve approval rates, and optimise routing.

• Partner with risk and technology teams on AI-based fraud and risk management for credit on UPI and card acceptance.

• Explore AI-native payment experiences, including conversational and agentic commerce use cases, and define how RuPay and credit on UPI are accepted in these current journeys.

• Build AI-powered personalisation for merchant offers and affordability propositions at scale.

Ecosystem & Stakeholder Management

• Build strong relationships with banks, PAs, POS OEMs, g

📌 Lead Product Management Acceptance (India)
🏢 National Payments Corporation Of India (NPCI)
📍 India