Business Analyst 2 To 4 Years - Lending

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

Job summary

PhonePe Limited in Bengaluru invites an analytics specialist to own data-driven insights for a large user base. You will identify critical metrics, build dashboards, and partner with product and business teams to translate complex problems into actionable analytics.

You will present findings to leadership, mentor junior analysts, and contribute to hiring. The role offers ownership from problem framing to CEO-ready storytelling and impact across 57 crore+ users.

Qualifications

• Minimum 2 years of overall analytics experience, including 1 year of experience in the lending domain.
• 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

Responsibilities

• Be an integral part of the pod strategy and will have to define the critical metrics. You’ll also monitor performance trends and influence any interventions, based on performance.
• Collaborate closely with the business, and product functions to understand the business problem and translate them into the right analytical problem statement.
• Own the entire insight generation phase and work on deep, thorough analysis to provide unbiased answers on the identified problem statement. These insights and decisions will be influenced 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 improve the critical metrics for the pod. We love people who think of themselves as the business owner and 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 are designed 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 & onboarding process

Skills

SQL

Problem Solving

Data Analysis

Storytelling

Tools

PowerBI

Tableau

QlikView

Job description

Job Description

Company Description

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!

Job Description

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 57 crore + people, that’s 40% of 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 also monitor performance trends and influence any interventions, based on performance.
• Collaborate closely with the business, and product functions to understand the business problem and translate them into the right analytical problem statement.
• Own the entire insight generation phase and work on deep, thorough analysis to provide unbiased answers on the identified problem statement. These insights and decisions will be influenced 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 improve the critical metrics for the pod. We love people who think of themselves as the business owner and 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 are designed 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

Qualifications

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

• Minimum 2 years of overall analytics experience, including 1 year of experience in the lending domain.
• 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

Additional Information

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, please fill out this form.

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Department Name: Analytics