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 new journeys.




• Build AI-powered personalisation for merchant offers and affordability propositions at scale. Ecosystem & Stakeholder Management
• Build robust relationships with banks, PAs, POS OEMs, gateways, TPAPs, and international partners to accelerate adoption. Desired Candidate Profile Experience
• 4+ years of experience in payments, cards, UPI, fintech or merchant acquiring.
• Strong expertise in settlement and payment journeys.
• Experience in Credit Card on UPI, Credit Line on UPI, EMI and affordability solutions.
• Strong product strategy and execution skills, from proposition design to launch and scale.
• Proven experience managing banks, PAs, TPAPs, merchants, gateways and other ecosystem partners.
• Strong data and analytical orientation, with understanding of TPV, approval rates, declines, conversion and merchant activation.
• Exposure to international acceptance/cross-border payments and AI-led payment solutions is preferred. AI Experience Required
• Experience leveraging AI/ML models for merchant segmentation, acceptance growth, transaction optimization, approval-rate improvement, fraud detection, risk management and merchant personalization.
• Exposure to AI-led payment solutions, conversational commerce, agentic commerce and AI-powered customer payment journeys is highly preferred. Key Performance Indicators (KPIs) Merchant Acceptance Growth
• Domestic POS/E-com activation and retention.
• Expand acceptance across micro-merchants, MSMEs, organized retail,



travel, hospitality, and other strategic segments. Affordability on UPI
• Merchant acceptance and TPV growth for Credit Card on UPI, Credit Line on UPI, and EMI transactions.
• Drive adoption across high-value categories such as electronics, education, healthcare, travel, and home improvement. Usage & Revenue
• TPV growth across domestic and international acceptance.
• Deliver sustained growth in transaction count and merchant-acquiring revenue. AI Impact
• Measurable uplift in approval rates, decline reduction, and merchant targeting efficiency from AI-led initiatives.
• Improve merchant acquisition and targeting through AI/ML-driven segmentation.
• Drive adoption of AI-powered payment and commerce experiences. Coverage
• BIN enablement and compliance certifications.
• Increase BIN enablement across acquiring partners and acceptance infrastructure.
• Ensure timely completion of certifications, compliance requirements, and ecosystem readiness for new products and payment capabilities. Quality Metrics
• Approval rates and dispute SLA adherence.
• Improve transaction success and customer experience through higher approval rates.
• Maintain dispute resolution and chargeback management within defined SLA timelines.
• Ensure seamless onboarding, settlement, and merchant servicing processes. Success Metrics
• Merchant Activation & Retention
• RuPay Acceptance Growth
• Credit on UPI TPV Growth
• EMI Transaction Growth
• Domestic & Cross-Border TPV
• Approval Rate Improvement
• Transaction Decline Reduction
• AI-Driven Merchant Conversion
• BIN Enablement Coverage
• Dispute SLA Compliance
• Partner Ecosystem Expansion (Banks, PAs, TPAPs, Gateways, POS OEMs)

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