UPI Subject Matter Expert

Posting title: UPI Subject Matter Expert
Experience: 10+ Years
Location: Mumbai
Work mode: On-site
Primary skills: UPI Issuer, bankside validations, NPCI certification, aquirer, Functional understanding of UPI, UPI Issuer, Bank side transactional validations, MCC mapper, NPCI OCs
Qualification:B.Tech / B.E. in Computer Science or MCA / M.Tech

Role Overview

We are looking for an experienced UPI Issuer Functional Consultant with strong expertise in digital payments and banking systems. The ideal candidate should have hands-on experience in UPI Issuer modules, NPCI certification processes, bank-side transaction validations, and mandate management.

Key Responsibilities

• Handle end-to-end UPI Issuer modules including customer onboarding, mandate management, and transaction processing.
  
• Work on bank-side transactional validations and UPI workflows.
  
• Configure and manage Payee and Payer mandate setups.
  
• Coordinate with internal teams, banks, and external stakeholders for NPCI certification, compliance, and UDIR reporting.
  
• Understand and implement NPCI Operating Circulars (OCs) and procedural guidelines.
  
• Support UPI integrations with Issuer, Acquirer, and PSP systems.
  
• Work closely with technology, operations, compliance, and business teams for successful implementation and issue resolution.
  
• Manage and support Hardware Security Module (HSM) integration for secure transaction processing and cryptographic operations.
  
• Participate in testing, certification, deployment, and production support activities.
  
• Ensure compliance with banking and NPCI regulatory standards.
  

Required Skills

• Strong functional understanding of UPI ecosystem and payment flows.
  
• Hands-on experience in UPI Issuer implementations.
  
• Experience with bank-side transactional validations.
  
• Knowledge of NPCI certification processes and compliance requirements.
  
• Experience in mandate management and MCC mapping.
  
• Familiarity with UPI Acquirer and PSP systems.
  
• Understanding of HSM integration and security concepts.
  
• Exposure to UDIR reporting and NPCI Operating Circulars (OCs).
  
• Strong stakeholder management and communication skills.
  

Preferred Qualifications

• Experience working in banking or fintech organizations.
  
• Exposure to mobile banking projects (minimum 2 projects preferred).
  
• Knowledge of digital payments, reconciliation, and settlement processes.
  
• Ability to work in a fast-paced production support and implementation environment.