About the Job

Who we are and what do we do

India has witnessed a journey of Innovation in Digital Payments and today it leads the world with over 45% of the Global digital transaction volume. At NPST, we believe that our decade long journey has carved an chance for building future roadmap for the world to follow.

We are determined to contribute immensely to nation’s growth story with our vision “to provide digital technology across financial value chain” and our mission to create leadership position in digital payment space.

Founded in 2013, NPST is a leading fintech firm in India, part of the Make in India initiative and listed on BSE and National Stock Exchange. We specialize in Digital Payments operating as Technology Service Provider to Regulated entities and providing Payment Platform to Industry – empowered by payment processing engine, Financial Super app, Risk Intelligence engine and digital merchant solution.

While we drive 3% of global digital transaction volume for over 100+ clients, we aim to increase our market share by 5X in next five years through innovation and industry first initiatives.

What will you do

As a Technical Lead, you will work as part of a team on the design and implementation of enterprise-grade UPI solutions using Java-based technologies and agile software development methodologies. You will take ownership of technical design, architecture, scalability, and delivery of UPI payment systems while ensuring high availability, security, and regulatory compliance.

Role is responsible for defining, integrating, and upgrading scalable payment architectures supporting UPI transaction processing across issuing and acquiring ecosystems.

Job Responsibilities:

- Lead the design and development of high-volume UPI payment processing platforms.
- Drive architecture discussions for UPI transaction life cycles including Collect, Intent, Pay, Mandates, UPI Lite, Autopay, and recurring payments.
- Lead a technical team consisting of software developers, business analysts,



and product stakeholders.
- Design scalable, fault-tolerant, and distributed payment systems capable of handling peak transaction volumes.
- Ensure adherence to NPCI guidelines, certifications, and UPI product specifications.
- Collaborate with banks, fintech partners, switch providers, and stakeholders for seamless integrations.
- Define and implement API standards, security controls, reconciliation frameworks, and transaction monitoring mechanisms.
- Review code, mentor development teams, and establish engineering best practices.
- Drive performance tuning and optimization of payment applications with focus on low latency and high throughput.
- Perform architecture reviews, risk assessments, and capacity planning.
- Troubleshoot production issues and resolve system bottlenecks.
- Ensure compliance with security, audit, regulatory, and operational requirements.
- Contribute to DevOps implementation, CI/CD processes, and automation initiatives.
- Oversee delivery timelines, technical governance, and quality assurance.

What are we looking for:

- Advanced knowledge of Java architecture, enterprise application design, and payment ecosystem architecture.
- Strong expertise in Java, Spring Boot, Spring Cloud, Microservices, REST APIs, Kafka/RabbitMQ, and distributed systems.
- Deep understanding of UPI architecture and NPCI switching ecosystem.
- Experience with UPI products such as UPI P2P, P2M, Autopay, Lite, Credit Line on UPI, and Merchant Payments.
- Strong knowledge of payment message flows, transaction routing, reconciliation, dispute management, and settlement.




- Hands-on experience designing systems that process high transaction volumes with high availability.
- Experience with Oracle, MySQL, PostgreSQL, and NoSQL databases.
- Knowledge of monitoring and observability tools such as ELK, Grafana, Prometheus, Splunk, etc.
- Strong understanding of security frameworks, encryption, tokenization, and regulatory compliance.
- Ability to solve complex production and scalability challenges.
- Experience working with banks, payment aggregators, fintechs, or payment processors.
- Analytical thinking, strong judgment, and decision-making abilities.
- Excellent communication and interpersonal skills.
- Entrepreneurial skills, ability to observe, innovate, and own your work.
- Detail-oriented and organized with strong time management skills.
- Influencing skills and the ability to create positive working relationships with team members at all levels.
- Collaborative approach and work with perfection as a group effort to achieve organizational goals.

Education Qualification - Bachelor's Degree in Computer Science, Information Technology, or Software Engineering.

Experience – 8 to 12 years.

Industry - IT/Software/BFSI/Banking/Fintech

Work arrangement – 5 Days Working from Office

Location – Bengaluru / Mumbai

What do we offer:

· An organization where we strongly believe in one organization, one goal.

· A fun workplace which compels us to challenge industry leaders and ourselves.

· Benefits that resonate ‘We Care’, building meaningful impact in society.

· Opportunity to shape the future of digital payment technologies and room to go beyond traditionally designed principles of digital payments.

· An environment of challenging the status quo and existing industry payment principles and being a trend setter in bringing in future.

If this opportunity excites you, we invite you to apply and contribute to our success story. If your resume is shortlisted, you will hear back from us.

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