Job Opening: Software Development Lead – UPI TPAP (Mobile App & UPI Switch) Location: Navi Mumbai (Maharashtra - India) Company: GRAMePAY – Driving Rural Financial Inclusion Position Type: Full-time Experience Required: 6+ years in FinTech / Payment Systems About GRAMePAY: GRAMePAY is a rural-focused FinTech platform committed to accelerating digital payments and financial inclusion in Bharat. As an emerging UPI TPAP (Third-Party Application Provider), we aim to revolutionize how rural India transacts and accesses financial services. Our mission is to build secure, scalable, and intuitive digital payment solutions designed for the underserved and digitally excluded. Role Overview: We are looking for a passionate and experienced Software Development Lead to spearhead the development and integration of our UPI mobile application and UPI switch backend infrastructure. This is a strategic leadership role that will directly impact GRAMePAY’s success as a UPI TPAP and our broader mission to empower rural India. Over time, this role will evolve into a dedicated Business Unit within the organization, with a focus on UPI and digital banking innovations. The selected candidate will be a core member of the founding team , working closely with senior leadership that brings over 25 years of domain expertise in the BFSI sector across India and global markets—successfully managing platform businesses for MNCs and leading FinTech processors . Key Responsibilities: Lead the end-to-end architecture, design, and development of GRAMePAY’s UPI mobile app and backend UPI switch integration. Work closely with NPCI, banking partners, and internal teams for TPAP onboarding, API integration, compliance, and certification. Own and manage technical roadmaps, sprints, and delivery timelines with a hands-on approach. Ensure high-performance, scalable, and secure design principles across all digital platforms. Guide and mentor a team of developers, testers, and DevOps professionals. Stay updated with the latest NPCI mandates, SDK updates, and security protocols for UPI and digital payments. Required Skills & Qualifications: Bachelor’s/Master’s degree in Computer Science, Engineering, or a related field. 6+ years of software development experience, with at least 2 years in UPI / digital payments projects. Strong knowledge of UPI protocols, TPAP architecture, SDKs, and NPCI compliance. Proficiency in mobile app development (Android, iOS – Kotlin/Swift/React Native). Backend development experience (Java, Node.js, or similar) and integration with bank APIs. Prior experience with UPI Switch integration and certification processes. Understanding of payment security standards (PCI DSS, encryption, key management). Excellent communication and stakeholder coordination skills. Preferred Experience: Experience in Payment Processing Software Development , including switching, routing, settlement workflows, and dispute management. Expertise in Merchant Management Systems , digital onboarding solutions (eKYC, CKYC, Aadhaar-based onboarding), and transaction reconciliation engines. Past development work on mobile banking apps or financial apps designed for rural and semi-urban populations. Familiarity with offline-first app design, low-bandwidth optimization, and rural merchant workflows. Prior experience with leading Indian digital payment firms such as RS Software, FSS, FIS , or other companies engaged in NPCI product stack integration (UPI, AEPS, BBPS, etc.). What We Offer: Opportunity to build a full-stack UPI TPAP platform from the ground up with national impact. A chance to co-create a core digital infrastructure business unit with long-term leadership potential. Fast-paced, purpose-driven culture focused on solving for Bharat. Competitive salary + performance-linked incentives. Remote-friendly, collaborative, and innovation-driven environment. To Apply: Send your resume and brief cover note to info@gramepay.com Subject Line: "Application – Software Development Lead – UPI TPAP" Join us to build Digital Bharat from the grassroots. Build with purpose. Innovate for inclusion. Empower the last mile. GRAMePAY | Powering Rural Digital Payments Show more Show less