Fullstack Java Engineer (With AI Capabilities)

The Opportunity

We are looking for a Java Full Stack Developer to design, build, and scale mission‑critical digital payment applications powering IMPS, AePS, and NETC platforms.

This role offers the opportunity to work on real‑time, high‑volume, secure financial systems that operate at national scale, directly impacting millions of users across India. You will work end‑to‑end on modern full‑stack architectures, collaborating closely with product, QA, and platform teams.

Job Details

• Role: Java Full Stack Application Engineer

• Department: Product – Technology

• Experience: 3 to 7 Years

• Employment Type: Full‑time | Permanent

• Education: BE / BTech or equivalent professional qualification

• Location: Mumbai / Hyderabad / Chennai

• Work Mode: 5 Days Work From Office (WFO)

Requirements

Key Responsibilities

• Design and develop scalable

RESTful APIs using Java, Spring Boot, and Hibernate/JPA for IMPS, AePS, and NETC applications

• Build and maintain microservices-based

architectures, integrating with internal and external payment systems

• Develop responsive,

high-performance frontend applications using React.js, Redux, and JavaScript / TypeScript

• Ensure seamless frontend–backend

integration for real-time payment workflows

• Work with event-driven

systems (Kafka) for asynchronous transaction processing

• Implement secure

authentication and authorization using OAuth2, JWT, and industry best practices

• Optimize applications for performance,

scalability, reliability, and security

• Write unit and

integration tests, and participate in code reviews to maintain engineering standards

• Actively participate in Agile

ceremonies and collaborate with cross-functional teams

Key Skills & Experience Required

• Strong expertise in Java

8+ and above, including core programming constructs such as streams, collections, multithreading, concurrency, and functional programming, along with a working understanding of JVM internals such as memory model, garbage collection, and class loading

• Hands‑on experience with Spring

Boot and backend frameworks, including dependency injection, REST API development, exception handling, and microservices-based application design

• Solid understanding of modern

frontend development, with React.js, Redux, and TypeScript, including component architecture, hooks, state management, and efficient API integration patterns

• Familiarity with Node.js-based

middleware concepts, including event loop behavior, non‑blocking I/O, and lightweight service orchestration

• Experience working with microservices

and distributed systems, including REST API principles such as idempotency, API versioning, request validation, and error modeling

• Strong knowledge of event-driven

architecture and messaging systems like Kafka, including topics, partitions, consumer groups, and asynchronous processing patterns

• Experience with SQL and

NoSQL databases, including relational modeling, transactions, indexing, as well as NoSQL data modeling for scalability and performance

• Understanding of caching

strategies using Redis or similar systems, including cache-aside patterns, TTL, and eviction policies

• Knowledge of authentication

and security mechanisms, including OAuth2, JWT, secure API handling, and input validation

• Good understanding of system

design principles, including SOLID principles, layered architecture, and commonly used design patterns such as Factory, Strategy, and Proxy

• Exposure to DevOps

practices, including version control (Git), build tools (Maven/Gradle), and environment-based configuration management

• Awareness of observability

practices, including structured logging, metrics monitoring, and debugging production issues

• Strong problem-solving,

analytical, and communication skills, with the ability to work independently and in cross-functional Agile teams

Good to Have Skills and Experience

• Experience deploying

applications on cloud platforms such as AWS, Azure, or GCP

• Exposure to CI/CD

pipelines using Jenkins, GitLab CI, or GitHub Actions

• Knowledge of containerization

and orchestration using Docker and Kubernetes

• Familiarity with high-availability,

low-latency systems, particularly in financial or payment processing domains

Benefits

Why Join Us

At NPCI, you’ll be part of a purpose-driven organization shaping the future of digital payments in India and beyond. NPCI offers a unique opportunity to work on cutting-edge projects that directly impact millions. We foster a culture of innovation, inclusion, and high performance, where every individual is empowered to lead with purpose and deliver with passion. With a strong focus on employee wellbeing, continuous learning, and collaborative success, NPCI is more than just a workplace—it’s a platform to grow, contribute, and make a meaningful difference. Life at NPCI

NPCI news

Our Culture

The NPCI WAY – Our Guiding Principles

At NPCI, we foster a culture of Inclusion, Innovation, and a High-Performance Workplace.

The NPCI WAY is not just a framework—it’s a shared commitment by every individual to align with our evolving business needs, dynamic market conditions, and workforce expectations.

Five Tenets of the NPCI WAY

• Forward

Thinking Mind-Set

• Customer

First

• Lead With Purpose

• Passion to

Deliver

• All

Succeed Together

Employee Perks and Benefits

Insurance & Wellness

• Comprehensive Coverage: Medical, accidental, and life insurance.

• Employee Assistance Program: Onsite medical center, financial/legal

counselling, mental wellness.

• Annual Wellness Bouquet: Holistic wellbeing support

Family & Childcare

• Parental Leave: Inclusive maternity and paternity leave.

• Daycare Support: Assistance for working parents.

Mobility & Lifestyle

• Mobility Benefits: Relocation, transfers, and travel support.

• Home Loan Interest Support: Up to 50% reimbursement*

• Mobile Reimbursement: New handset every 2 years.

• Car Lease, Salary Advance, Subsidized Meals.

Career & Recognition

• Education Partnerships: Upskilling via top institutions.

• Reward & Recognition Program.

• Technology Innovation: Patents and IP Rights policy.

Retirement Planning

• Provident Fund (PF) and Gratuity Contributions.