Bengaluru Business Analyst (4 to 6 Years) - Lending

PhonePe Group; Bengaluru; On-site; INR 900,000 - 1,300,000; Full time

Benefits offered by this job

Medical Insurance

Critical Illness Insurance

Life Insurance

Employee Assistance Program

Onsite Medical Center

Parental Support

Job summary

PhonePe is seeking a Business Analyst (4 to 6 years) for Lending analytics based in Bengaluru. You will own analytics support for the pod, defining key metrics, building dashboards, and presenting data-driven insights to leadership.

The role requires strong SQL, Excel, and visualization skills, with experience in R/Python considered a plus. You will collaborate with product and business teams, translate problems into analytical statements, and mentor junior analysts while driving data-driven

Qualifications

• 4–6 years of analytics experience in relevant roles.
• Strong problem solving and analytical skills.
• Curiosity to understand product and business impact.
• Ability to write complex SQL queries for dashboards.
• Experience with big data and data intuition.
• Excel proficiency and data visualization tools.
• Knowledge of R or Python and basic statistics.
• Clear verbal and written communication of analyses.

Responsibilities

• Define metrics for pod strategy and monitor trends.
• Collaborate with business and product to translate problems.
• Own insight generation from analysis and present evidence.
• Contribute ideas to improve key pod metrics.
• Be analytics and visualization SME; ensure actionable dashboards.
• Mentor analysts and participate in hiring/onboarding.

Skills

Problem solving

Analytical skills

Business intuition

Data storytelling

Verbal/written communication

R

Python

Data visualization

Story behind analysis

Tools

PowerBI

Tableau

QlikView

SQL

Excel

Python

R

Job description

Business Analyst (4 to 6 Years) - Lending

• Full-time
• Department Name: Analytics

PhonePe Limited (Formerly PhonePe Private Limited) is a technology company that builds digital platforms for Payments, Digital Distribution Services and Financial Services. Headquartered in India, the PhonePe digital payments app was launched in 2016. As of April 2026, PhonePe has over 70 Crore life-till-date registered users and a digital payments acceptance network spread across over 5 Crore merchants. PhonePe’s products and services include Consumer Payments (including Digital Distribution Services), Merchant Payments, Lending and Insurance Distribution services, and New Platforms, which comprise Share.Market (stock broking and mutual funds distribution platform), and Indus Appstore (Android-based mobile app marketplace). Culture:

At PhonePe, we go the extra mile to make sure you can bring your best self to work, Everyday!. And that starts with creating the right environment for you. We empower people and trust them to do the right thing. Here, you own your work from start to finish, right from day one. PhonePe-rs solve complex problems and execute quickly; often building frameworks from scratch. If you’re excited by the idea of building platforms that touch millions, ideating with some of the best minds in the country and executing on your dreams with purpose and speed, join us!

What kind of person are we looking for?
First-principle problem solvers who are passionate about working with data and uncovering the stories that the numbers hide. If you’re a curious mind and constantly questions the status-quo, then you’d fit right in with us.

What would you get if you work with us?
You’ll be closely working on problem statements and influencing decisions that impact 70 crore+ people in the country; if you’re not keeping track. You’ll get to interact with some of the smartest professionals that the country has to offer and get exposure to all facets of building a product at scale. You get complete ownership and responsibility of all analytics support for your area right from identifying the problem to presenting to the CEO, if need be.

What would you get to do in this role?

• Be an integral part of the pod strategy and will have to define the critical metrics. You’ll alsomonitor performance trends and influence any interventions, based on performance.
• Collaborate closely with the business, and product functions to understand the business problemand translate them into the right analytical problem statement.
• Own the entire insight generation phase and work on deep, thorough analysis to provideunbiased answers on the identified problem statement. These insights and decisions will beinfluenced based on your presentation of the evidence, backed by a data-driven hypothesis.
• Move past just being the “Data person” and contribute with individual thoughts on how to improvethe critical metrics for the pod. We love people who think of themselves as the business ownerand then go back to the data to prove or disprove the thought.
• Act as the analytics and visualization SME for the team and ensure that the dashboards aredesigned and built in a way that makes it easy for the pod to consume the data they need.
• Mentor other analysts in the team; play an active role in hiring process & new team members’onboarding process.

What do you need to have to apply for this position?

• Minimum 4 years of analytics experience in relevant roles.
• Strong problem solving & analytical skills.
• Penchant for business & curiosity to understand how the product works.
• Ability to write complex queries on SQL to manipulate, consolidate multiple data sources for the purpose of dashboarding and analysis.
• Intuition for data and ability to handle big data sources.
• Strong working knowledge in Excel and visualization tools like PowerBI, Tableau, QlikView.
• Understanding of data-analysis languages such as R, Python and in core statistical concepts is expected; Experience in building ML models is good-to-have, but not mandatory.
• Ability to clearly explain thoughts and ideas either verbally or in the written form.
• Candidates who are able to explain the story behind their analysis will find themselves at an advantage

PhonePe Full Time Employee Benefits (Not applicable for Intern or Contract Roles)

Insurance Benefits - Medical Insurance, Critical Illness Insurance, Accidental Insurance, Life Insurance Wellness Program - Employee Assistance Program, Onsite Medical Center, Emergency Support System Parental Support - Maternity Benefit, Paternity Benefit Program, Adoption Assistance Program, Day-care Support Program Mobility Benefits - Relocation benefits, Transfer Support Policy, Travel Policy Retirement Benefits - Employee PF Contribution, Flexible PF Contribution, Gratuity, NPS, Leave Encashment Other Benefits - Higher Education Assistance, Car Lease, Salary Advance Policy

Our inclusive culture promotes individual expression, creativity, innovation, and achievement and in turn helps us better understand and serve our customers. We see ourselves as a place for intellectual curiosity, ideas and debates, where diverse perspectives lead to deeper understanding and better quality results. PhonePe is an equal opportunity employer and is committed to treating all its employees and job applicants equally; regardless of gender, sexual preference, religion, race, color or disability. If you have a disability or special need that requires assistance or reasonable accommodation, during the application and hiring process, including support for the interview or onboarding process, please fill out this form.