Deputy Incharge Credit Card Portfolio & Analytics

National Payments Corporation of India; Mumbai; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

National Payments Corporation of India (NPCI) is seeking a data analytics professional to drive portfolio analytics for flagship products (RuPay, UPI, NETC) from Mumbai. You will translate data into actionable insights to influence product, pricing and customer engagement.

The role emphasizes building reusable data assets, segmentation frameworks and end-to-end analytics, embedding analytics early in product lifecycles, with collaboration across product, growth and commercial teams.

Qualifications

• Business analytics background required.
• Data modeling skills.
• Experience of 6+ years preferred.

Responsibilities

• Own end-to-end analytics for NPCI flagship products and track portfolio health across activation, spend, usage and attrition.
• Develop segmentation frameworks with behavioral and transactional signals; build propensity and attrition models.
• Create reusable data assets, dashboards and governance standards to drive growth, retention and profitability.

Skills

Business Analytics

Data modeling

+6

Job description

National Payments Corporation of India (NPCI) | Full Time

• Department Business Analytics and Insights
• Date Opened 06/08/2026
• State/Province Maharashtra
• Job Type Full Time

Required Skills

• Business Analytics
• Data modeling
• +6

About Us

The National Payments Corporation of India (NPCI) is a pivotal institution in India's digital payments ecosystem, established by the Reserve Bank of India (RBI) and the Indian Banks’ Association (IBA). It operates under the Payment and Settlement Systems Act, 2007, and is incorporated as a “Not for Profit” company under Section 25 of the Companies Act 1956 (now Section 8 of the Companies Act 2013). NPCI is dedicated to building world‑class digital payment infrastructure through innovative and efficient retail payment platforms. As an Equal Opportunity Employer, NPCI is committed to fostering an inclusive workplace culture, with zero tolerance for discrimination based on race, ethnicity, disability, gender identity, or sexual orientation, including support for the LGBTQ+ community.

Our Culture

The NPCI WAY – Our Guiding Principles

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

The NPCIWAY isnotjustaframework - it’sasharedcommitmentbyevery individual to align with our evolving business needs, dynamic market conditions, and workforce expectations.

Five Tenets of the NPCI WAY

• ForwardThinkingMind-Set
• CustomerFirst
• LeadWith Purpose
• PassiontoDeliver
• AllSucceedTogether

Employee Perks and Benefits

Insurance&Wellness:

• ComprehensiveCoverage :Medical,accidental,andlifeinsurance.
• Employee Assistance Program : Onsite medical center, financial/legal counselling, mental wellness.
• AnnualWellnessBouquet :Holisticwellbeingsupport

Family &Childcare:

• ParentalLeave :Inclusivematernityandpaternityleave.
• Nanny at home Support: Assistance for Working Parents

Mobility&Lifestyle:

• MobilityBenefits :Relocation,transfers,andtravelsupport.
• HomeLoanInterestSupport :Upto50%reimbursement*
• MobileReimbursement :Newhandsetevery2years.
• CarLease,SalaryAdvance,SubsidizedMeals.
• Reward&RecognitionProgram.
• TechnologyInnovation: PatentsandIPRightspolicy.

RetirementPlanning:

• ProvidentFund(PF) and Gratuity Contributions.

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.

The roleprovides data-driven insight and decision support to the product, growth andcommercial teams responsible for NPCI flagship payment products (RuPay, UPI, Acceptance,NETC) and is accountable for converting portfolio data into clear actionsthat improve growth, retention and profitability. The position embedsanalytics early in the product and offer lifecycle, enabling faster andbetter-informed decisions on segmentation, pricing, benefits and customerengagement.

The role isexpected to challenge existing assumptions with evidence, build reusableanalytical capability and data assets for use across teams, and partner withstakeholders to solve complex product and portfolio problems at NPCI and itssubsidiary (the “Company”).

• Data Assets: Build and maintain reusable, well-documented dataassets 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 sharedassets.
• PortfolioInsight & Action: Own end-to-end analytics for the NPCI flagship payment products (RuPay, UPI,Acceptance, NETC) Track portfolio health across activation, spend, usage andattrition, identify drivers of performance, and translate findings intospecific, prioritized actions for product and business teams. Build andmaintain recurring portfolio dashboards and deep-dive analyses that driveinterventions on growth, retention and profitability.
• Design and operationalizecustomer-level and merchant-level segmentation using behavioral andtransactional signals. Develop persona frameworks, value tiers and lifecyclesegments to guide product, offer and engagement strategy. Build models forpropensity, attrition and cross-sell, and convert segments into addressabletargeting cohorts for issuers and acquirers.
• Support offerand campaign creation with data-driven hypotheses on audience, rewardconstruct and expected response. Optimize product pricing and economics –interchange, MDR, reward and benefit constructs – by modelling uniteconomics, elasticity and portfolio-level impact. Design test-and-learnframeworks and measure incrementality and ROI of offers and pricing changes.
• Work withbenefit management software to structure, configure and monitor cardholderbenefits and entitlements, ensuring accuracy and measurability of benefitusage. Build reusable, well-documented data assets and feature stores forRuPay that can be consumed across analytics, product, risk and commercialteams, establishing common definitions and a single source of truth.

Requirements

• pricing and unit-economics analysis
• offer design and incrementallymeasurement
• building and governing reusable data assets
• strong statistical and data-handling skills(SQL, Python / SAS)
• working on big data platform andenvironment is a plus, sound judgment and stakeholder communication
• B.Tech / B.E. or Bachelor's degreein a quantitative discipline, plus a management degree; OR a 5-yearintegrated M.Tech. Candidates should be from IIT / NIT or a similar reputedinstitution

B.Tech / B.E. or Bachelor's degreein a quantitative discipline, plus a management degree; OR a 5-yearintegrated M.Tech. Candidates should be from IIT / NIT or a similar reputedinstitution.