Business Analytics Lead

National Payments Corporation of India (NPCI); Mumbai; On-site; INR 4,000,000 - 6,000,000; Full time

Job summary

NPCI in Mumbai is seeking a Lead Business Analytics to provide data-driven insights for product, growth and commercial teams across RuPay, UPI, Acceptance and NETC. You will convert portfolio data into actionable strategies, embed analytics in the product lifecycle and build reusable data assets.

The role requires 5+ years in payments/digital analytics, strong SQL/Python, and an IIT/NIT-level engineering background with a management degree. Based in Mumbai with on-site work expectations.

Qualifications

• 5+ years of experience in payments analytics, telecom analytics or digital analytics.
• Education as specified: engineering in quantitative field with management degree or IIT/NIT background.
• Location: Mumbai, role: Lead Business Analytics.

Responsibilities

• Build and maintain reusable data assets for NPCI flagship products (RuPay, UPI, Acceptance, NETC) for analytics, product, risk and commercial teams.
• Establish metric definitions, documentation and data-quality standards for analytical outputs and assets.
• Own end-to-end analytics for NPCI flagship products; track portfolio health and translate findings into actions for product and business teams.
• Design and operationalize customer- and merchant-level segmentation using behavioral and transactional signals.
• Develop persona frameworks, value tiers and lifecycle segments to guide product, offer and engagement strategy; build models for propensity, attrition and cross-sell.
• Model unit economics, elasticity and portfolio-level impact; design test-and-learn frameworks and measure ROI of offers/pricing changes.
• Structure, configure and monitor cardholder benefits with data-driven governance; build data assets and feature stores for cross-team use.
• Partner with product, growth and commercial teams to embed analytics into decision-making and prepare updates on portfolio performance.

Skills

Portfolio analytics

Customer & merchant segmentation

Propensity modeling

Attrition modeling

Pricing & unit economics

Offer design & incrementality

Data assets governance

SQL

Python

Education

B.Tech / B.E. or Bachelors in quantitative discipline + management degree; or 5-year integrated M.Tech.

Tools

SQL

Python

Job description

Role & responsibilities

The opportunity

The role provides data-driven insight and decision support to the product, growth and commercial teams responsible for NPCI flagship payment products (RuPay, UPI, Acceptance, NETC) and is accountable for converting portfolio data into clear actions that improve growth, retention and profitability. The position embeds analytics early in the product and offer lifecycle, enabling faster and better-informed decisions on segmentation, pricing, benefits and customer engagement.

The role is expected to challenge existing assumptions with evidence, build reusable analytical capability and data assets for use across teams, and partner with stakeholders to solve complex product and portfolio problems at NPCI and its subsidiary (the Company).

• Education: B.Tech / B.E. or Bachelor's degree in a quantitative discipline, plus a management degree; OR a 5-year integrated M.Tech. Candidates should be from IIT / NIT or a similar reputed institution.
• Experience: 5+ years of relevant experience, preferably in payments analytics, telecom analytics or digital analytics.
• Location: Mumbai
• Role: Lead Business Analytics

Key Responsibilities

• Data Assets: Build and maintain reusable, well-documented data assets for NPCI flagship payment products (RuPay, UPI, Acceptance, NETC) for consumption across analytics, product, risk and commercial teams.
• Standards & Governance: Establish common metric definitions, documentation and data-quality standards for analytical outputs and shared assets.
• Portfolio Insight & Action: Own end-to-end analytics for the NPCI flagship payment products (RuPay, UPI, Acceptance, NETC) Track portfolio health across activation, spend, usage and attrition, identify drivers of performance, and translate findings into specific, prioritized actions for product and business teams. Build and maintain recurring portfolio dashboards and deep-dive analyses that drive interventions on growth, retention and profitability.
• Design and operationalize customer-level and merchant-level segmentation using behavioral and transactional signals. Develop persona frameworks, value tiers and lifecycle segments to guide product, offer and engagement strategy. Build models for propensity, attrition and cross-sell, and convert segments into addressable targeting cohorts for issuers and acquirers.
• Support offer and campaign creation with data-driven hypotheses on audience, reward construct and expected response. Optimize product pricing and economics – interchange, MDR, reward and benefit constructs – by modelling unit economics, elasticity and portfolio-level impact. Design test-and-learn frameworks and measure incrementality and ROI of offers and pricing changes.
• Work with benefit management software to structure, configure and monitor cardholder benefits and entitlements, ensuring accuracy and measurability of benefit usage. Build reusable, well-documented data assets and feature stores for RuPay that can be consumed across analytics, product, risk and commercial teams, establishing common definitions and a single source of truth.
• Partner with product, growth and commercial teams to embed analytics into decision-making. Prepare clear committee notes and management updates on portfolio performance. Maintain data quality, documentation and governance standards for analytical outputs and shared data assets.

Required skills and Education

• Portfolio and product analytics
• customer and merchant segmentation
• propensity, attrition and cross-sell modelling
• pricing and unit-economics analysis
• offer design and incrementality measurement
• building and governing reusable data assets
• strong statistical and data-handling skills (SQL, Python / SAS)
• working on big data platform and environment is a plus, sound judgement and stakeholder communication