Job Description:
Job Title: UPI Business Analyst (BA)
Location: Mumbai
Department: Digital Payments / IT
Experience: 3–10 years
Reports To: Product Manager / Head of Digital Payments
Job Summary
We are looking for a detail-oriented and experienced Business Analyst (BA) to join
our digital payments team and drive initiatives related to UPI (Unified Payments
Interface). The ideal candidate will work closely with product, engineering,
operations, regulatory, and partner teams to define requirements, analyse business
processes, and ensure successful implementation of UPI products and features.
Key Responsibilities
• Gather, analyse, and document business and functional requirements for UPI-
based products and enhancements.
• Liaise with NPCI, banks, and internal stakeholders to ensure compliance with UPI
specifications and circulars.
• Translate business requirements into clear and concise BRDs, FRDs, and user
stories for the technical teams.
• Support the end-to-end product lifecycle for UPI (onboarding, mandates, P2P, P2M,
UPI AutoPay, UPI Lite, etc.).
• Coordinate with QA and tech teams during UAT, SIT, and regression testing
phases.
• Monitor key performance metrics and recommend data-driven enhancements.
• Conduct impact analysis for UPI rule changes, product updates, or new releases
from NPCI.
• Assist in partner integration (TPAPs, PSPs, Banks) and handle issue
triaging/escalations.
• Stay updated on the latest trends and updates in the UPI ecosystem.
Required Skills and Qualifications
• Bachelor’s degree in Engineering, Finance, Business, or related field. MBA or
relevant certification is a plus.
• 3+ years of experience as a Business Analyst in a digital payments or fintech
environment.
• Strong domain knowledge of UPI, NPCI guidelines, and Indian digital payments
landscape.
• Excellent documentation skills (BRD, FRD, Use Cases, User Stories, Flow
Diagrams).
• Proficient in tools like Jira, Confluence, Excel, SQL (optional but preferred).
• Strong communication and stakeholder management skills.
• Ability to work in a fast-paced, agile environment.
Preferred Qualifications
• Prior experience working with banks, PSPs, or fintechs on UPI integration or
enhancements.
• Familiarity with UPI AutoPay, UPI Lite/X, and recurring payment flows.
• Understanding of regulatory and compliance aspects related to UPI and RBI/NPCI
circulars.
