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 strong 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)