Job Description: Senior Associate – Business Finance About NPCI and NBSL – National Payments Corporation of India (NPCI), an umbrella organization for retail payments in India, is an initiative of Reserve Bank of India (RBI) and Indian Banks’ Association (IBA) and is authorized under the provisions of the Payment and Settlement Systems Act, 2007 for providing payment and settlement systems in India. Considering the utility nature of NPCI, it has been incorporated as a “Not for Profit” Company under the provisions of Section 25 of Companies Act 1956 (now Section 8 of Companies Act 2013), with an intention to provide best in class digital payment infrastructure by creation of efficient and innovative retail payment platforms. NPCI has recently set up its wholly owned subsidiary NPCI Bhim Services Limited (NBSL) with the objective to focus on the growth and expansion of BHIM App. Bharat Interface for Money (BHIM) is a payment app that lets you make simple, easy and quick transactions using Unified Payments Interface (UPI). You can make direct bank payments to anyone on UPI using their UPI ID or scanning their QR with the BHIM app. You can also request money through the app from a UPI ID. NPCI BHIM Services Limited (NBSL), has recently launched Bharat Interface for Money (BHIM) 3.0 which represents its third evolution since its launch in 2016 by Prime Minister Narendra Modi. The new BHIM 3.0 app offers customer friendly and more intuitive experience. NPCI / NBSL is an Equal Opportunity Employer. Position : Senior Associate – Business Finance Place of posting : Mumbai Oberoi Commerz III Office Experience : - 3+ years Qualification : CA / MBA Team handling: Team player working in collaboration with Parent/group and cross functional teams. Key Responsibilities: Review, monitor all financial functions i.e., AR, AP, GL, Tax, MIS Reporting, and Treasury by overseeing in collaboration and coordination with Parent/group entity. Drive closure of monthly financial reporting, including balance sheets, Profit and Loss statements, and cash flow statements. Manage cash flow, forecasting, and treasury operations in consultation with Parent entity. Collaborate with cross-functional teams to drive business outcomes Develop and maintain financial models, forecasts, and budgets Identify areas for process improvements, automation and implement changes as needed Develop and implement financial strategies to drive business growth and profitability Analyse financial data to identify trends, risks, and opportunities for improvement Ensure compliance with financial regulations and industry standards Thorough understanding of process guidelines and policies laid down to ensure accuracy, and compliance. Review of TDS / GST / Input Credit working and ensure compliance on timelines and accuracy. Ensure GST, MSME and other law compliances from time to time. To ensure no major Audit observations and timely response and closure. To collate and review all the required schedules for Audit and month closing. To Prepare and review MIS Tracker related to all functional areas daily. Train Team members in case of churn and drive quality deliverables from the team members. Documentation and Review of existing processes from time to time and update basis the needs. Drive automation and process improvements and analytical dashboards. Monitor and Review Creditors, Open advances, and other open balances both in vendors and employees and taking timely action for clean-up. Preparation of Board Note agenda along with supporting’s. Requirements: Chartered Accountant (CA) or Master of Business Administration (MBA) in Finance Minimum 4+ years of experience in finance, preferably in a fintech startup Strong knowledge of financial accounting, reporting, and analysis Excellent analytical, problem-solving, and communication skills Proficient in financial software and systems, such as ERP (Preferable Microsoft D-365), accounting packages, and spreadsheet tools. Ability to work in a fast-paced environment and meet deadlines Strong leadership and team management skills Knowledge of financial regulations and compliance What We Offer: Competitive salary and benefits package Opportunity to work with a fast-growing fintech startup Collaborative and dynamic work environment Professional development and growth opportunities Show more Show less
Role and Responsibilities: As the Head/Incharge of Information Security for NBSL, this role would report into the Group CISO. The primary focus of this role is to secure the mobile application and other software assets of NBSL. Work with existing engineering teams on securing the architecture of new features/capabilities and provide design guidance Working knowledge of mobile app security controls such as RASP Provide Information security requirements as part of the sprint cycle Develop technical solutions to help mitigate security vulnerabilities. Analyze vulnerabilities reported to exist on the Android/IOS Platform. Perform security code analysis and design reviews. Provide security and secure coding practices training to development team. Conduct research to identify new attack vectors against Android and IOS application. Security architecture review and design guidance. Qualifications: Bachelor's or master's degree in computer science, Information Security, or a related field. Skills: Strong mobile application security engineering background Must have general programming expertise and software or web development experience Proficient in Engineering custom-built Android and iOS apps Experience in authentication and encryption methods, including OAuth and Public Key Infrastructure (PKI) Ability to perform Threat modelling and risk assessment of mobile and web apps 5+ years of Web and Mobile Application Security testing Experience 2+ years of hand-on experience in DevSecOps workflows and CI/CD pipelines Deep familiarity with the OWASP Top 10 and other security concerns for web/mobile applications Deep understanding of SAST, DAST, SCA Scanning practices. Scripting and Programming skills (E.g: Python, Perl, Bash, Ruby, PowerShell, react etc.) Hands on experience in security tools like, Burp suite, OWASP ZAP, MobSF, Frida, Checkmarx, SonarQube etc. Certifications (any two): CSSLP, eMAPT, CEH, OSWA, OSCP, CPTS, eWPTX, KCSA, GMOB, GWEB (Good to Have: OSWE, CWEE, CISSP, CKS)
Role and Responsibilities: As the Head/Incharge of Information Security for NBSL, this role would report into the Group CISO. The primary focus of this role is to secure the mobile application and other software assets of NBSL. Work with existing engineering teams on securing the architecture of new features/capabilities and provide design guidance Working knowledge of mobile app security controls such as RASP Provide Information security requirements as part of the sprint cycle Develop technical solutions to help mitigate security vulnerabilities. Analyze vulnerabilities reported to exist on the Android/IOS Platform. Perform security code analysis and design reviews. Provide security and secure coding practices training to development team. Conduct research to identify new attack vectors against Android and IOS application. Security architecture review and design guidance. Qualifications: Bachelor's or master's degree in computer science, Information Security, or a related field. Skills: Strong mobile application security engineering background Must have general programming expertise and software or web development experience Proficient in Engineering custom-built Android and iOS apps Experience in authentication and encryption methods, including OAuth and Public Key Infrastructure (PKI) Ability to perform Threat modelling and risk assessment of mobile and web apps 5+ years of Web and Mobile Application Security testing Experience 2+ years of hand-on experience in DevSecOps workflows and CI/CD pipelines Deep familiarity with the OWASP Top 10 and other security concerns for web/mobile applications Deep understanding of SAST, DAST, SCA Scanning practices. Scripting and Programming skills (E.g: Python, Perl, Bash, Ruby, PowerShell, react etc.) Hands on experience in security tools like, Burp suite, OWASP ZAP, MobSF, Frida, Checkmarx, SonarQube etc. Certifications (any two): CSSLP, eMAPT, CEH, OSWA, OSCP, CPTS, eWPTX, KCSA, GMOB, GWEB (Good to Have: OSWE, CWEE, CISSP, CKS)
About BHIM Bharat Interface for Money (BHIM) is a payment app that enables simple, quick, and easy transactions using the Unified Payments Interface (UPI). With the BHIM app, you can make direct bank payments to anyone on UPI using their UPI ID or by scanning their QR code. You can also request money from a UPI ID through the app. Pioneered and developed by the National Payments Corporation of India (NPCI), BHIM was launched by the Hon'ble Prime Minister of India, Narendra Modi, on December 30, 2016. The app aims to promote financial inclusion and make India a digitally empowered society. Job Description – Head of finance Location: Mumbai Experience: 15+ years in Finance leadership roles, preferably in fintech, payments, or app-based businesses. About the Role We are looking for a dynamic and strategic Head Of finance to lead the Finance function for our app-based payments business. The CFO will be responsible for ensuring financial health, governance, compliance, and supporting business growth through strategic insights. This role requires a balance of deep financial expertise, regulatory knowledge, and the ability to partner with leadership to drive business outcomes. Key Responsibilities 1. Financial Strategy & Planning • Define and implement financial strategy aligned with company goals. • Develop annual budgets, forecasts, and long-term financial models. • Provide insights on business performance, unit economics, and ROI of new initiatives. 2 . Revenue & Accounting • Oversee end-to-end revenue booking, reconciliation, and reporting for all payment products. • Ensure timely and accurate closure of monthly, quarterly, and annual accounts. • Establish strong internal controls and financial governance frameworks. 3. Audit, Compliance & Taxation • Lead statutory, internal, and regulatory audits. • Ensure compliance with RBI, NPCI, SEBI, and other regulatory requirements. • Manage direct and indirect taxation, including GST, TDS, and international taxation (if applicable). 4. Stakeholder Management & Board Engagement • Prepare and present MIS, board decks, and investor updates. • Act as a trusted advisor to the CEO and Board on financial performance and strategic initiatives. • Drive fundraising, investor relations, and capital structuring where required. 5. Finance Operations (PO & Invoice Journey) • Oversee the entire Purchase Order (PO), vendor payment, and invoice management process. • Implement systems to ensure timely payment cycles, vendor management, and cash flow optimization. • Digitize finance processes for efficiency and compliance. 6. Risk Management & Treasury • Manage cash flow, working capital, and treasury operations. • Identify financial risks and implement mitigation strategies. • Optimize cost structures without compromising growth. Key Skills & Competencies • Strong knowledge of fintech/app-based business models and revenue frameworks. • Expertise in accounting standards, taxation, and compliance. • Excellent financial modeling, business analytics, and MIS reporting. • Proven track record in board presentations and investor relations. • Strong leadership, communication, and stakeholder management skills. • Hands-on approach with ability to set up processes from scratch. Qualifications • Chartered Accountant (CA) / CPA / MBA (Finance) from a reputed institute. • 15–20 years of experience in Finance, with at least 5+ years in leadership roles. • Experience in fintech, digital payments, or app-based companies is highly desirable
Location: Mumbai About the Role: BHIM is on a mission to expand its user base and transaction volumes through strategic partnerships with merchants and Fintechs/PGs. InchargePartnerships will be responsible for adoption of the BHIM Partnerships for UPI for Merchants, PGs and offline retail. This role requires a deep understanding of the Indian payments ecosystem, including UPI, merchant payment solutions and ability to manage GTM plans for categories. For example: Grocery, OTT, Telecom classify as categories. Offline retail here implies working with offline partnerships to drive adoption of BHIM App with an end state goal of transactions and users. The ideal candidate will have a strong technical grasp of payment infrastructure, ability to work closely with partners to solve challenges, and the strategic mindset to scale adoption working towards driving GTM plans leveraging consumer offers. The role will need on the feet thinking and bias for action to deliver a sales target on transactions and user acquisition for BHIM. This role is expected to deliver impact to not just drive short term goals but manage a category to drive user retention and connect back the customer to BHIM flywheel. This means generating monetization avenues via merchants and also co-create use cases to help connect the customer journey to other potential use cases on BHIM app and leverage merchant/client ecosystem to create network effects for BHIM beyond the obvious checkout experience. The candidate is expected to think out of the box and suggest ways to create a disproportionate advantage for BHIM via the merchant and PG ecosystem. Key Responsibilities: Strategic Partnerships & Business Growth Develop and execute strategies to scale merchants onto the BHIM , ensuring seamless UPI adoption. Identify key merchant partners, build relationships, and negotiate win-win agreements. Work cross-functionally with product, technology, and operations teams to ensure smooth partner onboarding and integration. Drive initiatives to scale user acquisition and transaction volumes through partner networks. Work on intelligent offers working backwards of the business model of the client with an end objective to drive a long-term joint goal exercise . This not only means offers on UPI in general but UPI as a enhanced feature through RCC + more such avenues based on the business case. Key Requirements: Education & Experience Advanced degree (MBA, Master’s in Finance/Tech/Payments preferred). 12+ years of experience in payments, ecommerce, fintech, or UPI ecosystem. Prior experience in partnerships, business development, or product strategy in payments or category management Strong understanding of UPI infrastructure, and merchant partnerships Skills & Competencies Payments Fundamentals: Deep understanding of UPI and Cards Fundamentals, and digital payment trends. Stakeholder Management: Ability to engage and influence senior leadership with, merchants, and fintechs/PGs. Project & Partner Management: Experience handling large-scale partnerships and category management working backwards of targets Data-Driven Decision Making: Ability to analyze data to track adoption, identify bottlenecks, and drive strategic changes. Negotiation & Communication: Strong communication skills to drive high-value partnerships. GTM Planning : Strong Aptitude for data deep dive, business intelligence and forward thinking to draft GTM plans and BCPs Behavioural Traits : Strategic Thinker: Ability to align business goals with partner strategies. Problem-Solver: Can work with cross-functional teams to solve complex partner challenges. Execution-Focused: Can drive initiatives from ideation to execution with clear impact. Innovative Mindset: Ability to identify new opportunities for growth and improvement. Resilient & Adaptable: Ability to work in a dynamic, evolving payments landscape. This role is pivotal in BHIM’s mission to scale digital payments across India by fostering strong relationships with merchants. The right candidate will be a strategic leader with a deep understanding of the payments ecosystem and a hands-on approach to executing partnerships.
Role Overview: You will be responsible for driving the expansion of BHIM's user base and transaction volumes through strategic partnerships with merchants and Fintechs/PGs. Your focus will be on developing and executing strategies to scale merchants onto BHIM, ensuring seamless UPI adoption. Building and maintaining relationships with key merchant partners, negotiating agreements, and collaborating with cross-functional teams will be crucial to your success in this role. Key Responsibilities: - Develop and execute strategies to scale merchants onto BHIM, ensuring seamless UPI adoption. - Identify key merchant partners, build relationships, and negotiate win-win agreements. - Collaborate with product, technology, and operations teams to ensure smooth partner onboarding and integration. - Drive initiatives to increase user acquisition and transaction volumes through partner networks. - Work on intelligent offers to drive long-term joint goals and enhance UPI features based on the business case. Qualification Required: - Strong understanding of UPI infrastructure and merchant partnerships. - Experience in stakeholder management, project and partner management, data-driven decision making, negotiation, communication, and GTM planning. - Behavioral traits including being a strategic thinker, problem-solver, execution-focused, and having an innovative mindset.,
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