About the role

Job Title: Head – Digital Banking Applications & Payments

Location: Mumbai

Reports To: Group Head Liabilities

1. Role Overview

The Head of Digital Banking Applications & Payments will lead the strategy, development, and end-to-end management of digital banking platforms, mobile/internet banking applications, and payments ecosystem. This role ensures seamless customer experience, system stability, regulatory compliance, and innovation aligned with the bank’s digital transformation agenda.

2. Key Responsibilities

A. Digital Banking Applications

Lead the development, enhancement, and maintenance of mobile banking, internet banking, corporate banking portals , and digital onboarding platforms.
Drive UI/UX improvements to deliver intuitive, reliable, and frictionless digital journeys.
Implement new features, upgrades, and platform innovations in collaboration with product, business, and IT teams.
Ensure high availability, performance optimization, and scalability of digital applications.
Oversee vendor selection, contract negotiations, and SLA management.

B. Payments Systems & Innovations

Own the strategy and operations of UPI, IMPS, NEFT, RTGS, BBPS, Card Payments , and internal switching systems.
Lead implementation of new payment products and regulatory mandates (RBI, NPCI).
Ensure real-time monitoring of payment rails for uptime, reconciliation, and incident management.
Strengthen fraud monitoring and risk controls within payment ecosystems.
Drive adoption of new-age payment technologies (tokenisation, contactless, QR innovations, API-based payments, etc.)

C. Technology Delivery & Governance

Oversee end-to-end SDLC (analysis, design, development, testing, deployment).
Lead cross-functional teams including engineering, QA, DevOps, product, and cybersecurity.
Establish strong controls, documentation, and compliance as per RBI, NPCI, ISO 27001 norms.
Manage annual technology budgets, cost optimization, and project prioritization.

D. Stakeholder Collaboration

Coordinate closely with business, operations, risk, compliance, and audit teams.
Act as a technology partner to drive digital growth and improve customer experience.
Represent digital banking tech during internal and external audits.

3. Required Skills & Competencies

Strong expertise in digital banking platforms , core banking interfaces, and payments infrastructure.
Deep understanding of NPCI frameworks , UPI architecture, API banking, middleware, and microservices.
Experience in managing high-availability architectures and real-time transaction systems.
Strong project management and vendor management skills.
Knowledge of cybersecurity frameworks for digital channels.
Ability to lead large technical teams and deliver complex programs at scale.

4. Qualifications & Experience

Bachelor’s degree in Engineering/Computer Science; Master’s preferred.
20–25+ years of experience in banking technology/digital banking/fintech.
7+ years in a leadership role managing digital applications or payment systems.
Experience working with large private banks, SFBs, or leading fintechs is preferred.