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Fintech Payments & Compliance Lead (UPI / Digital Payments)
India
Job Category: Development
Job Type: Full Time
Job Location: Malad (W)
Job Title: Fintech Payments & Compliance Lead (UPI / Digital Payments)
Location: MUMBAI
Experience: 8–15 years
Employment Type: Consultant
About Us:
We are building our own UPI-based digital payments system. This role is critical in helping us navigate RBI and NPCI regulations, partner with banks, and design the technical architecture for our UPI system.
Roles & Responsibilities
1. Regulatory & Compliance
1. Regulatory & Compliance
- Lead the RBI licensing process (Payment Aggregator / PSP / Payment Bank).
- Liaise with NPCI for UPI PSP approval and compliance audits.
- Define and implement KYC, AML, and fraud monitoring frameworks.
- Partner with sponsor banks to ensure smooth settlements and reconciliations.
- Prepare all documentation and policies for regulatory submissions.
- Design UPI system architecture including transaction flows, QR payments, and UPI
- Guide frontend and mobile developers on secure UPI integration.
- Ensure security measures: encryption, key management, OTP/biometric
- Oversee sandbox integration with banks/NPCI and testing of transaction flows.
- Provide technical input for feature roadmap and user experience.
- Recommend adoption strategies for users and merchants in target niche.
- Ensure compliance with RBI/NPCI audits post-launch.
- Advise on scalable and secure transaction workflows.
Required Skills & Experience
- Extensive knowledge of UPI, NPCI guidelines, Payment Aggregator / PSP
- Experience with RBI compliance, licensing, and digital payment regulations.
- Familiarity with bank partnerships and settlement workflows.
- Strong technical understanding of backend payment systems, APIs, and security
- Experience in leading fintech or payments projects.
- Excellent stakeholder management and documentation skills.
Preferred
- Prior experience in launching a UPI system, PSP, or payment gateway.
- Knowledge of mobile app payment integrations (Android/iOS).
- Network with sponsor banks or NPCI officials.
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