Deputy Incharge Credit Card Portfolio & Analytics

NPCI; 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 in Mumbai to drive insights for flagship payment products and portfolios. You will build reusable data assets, define metrics, and partner across product, risk, and commercial teams to influence pricing, activation and retention strategies.

Strong SQL/Python skills and data governance will be essential in this role. Join a high-performance team at NPCI and contribute to scalable analytics, segmentation, and

Qualifications

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

Responsibilities

• Build and maintain reusable data assets for NPCI flagship payment products for consumption across analytics, product, risk and commercial teams.
• Establish common metric definitions, documentation and data-quality standards for analytical outputs and shared assets.
• 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.
• Design and operationalize customer- and merchant-level segmentation using behavioral and transactional signals; develop persona frameworks and lifecycle segments.
• Support offer and campaign creation with data-driven hypotheses on audience, reward construct and expected response; optimize product pricing and economics by modeling unit economics, elasticity and portfolio-level impact.
• Work with benefit management software to structure, configure and monitor cardholder benefits and entitlements; build reusable data assets and feature stores for RuPay.

Skills

Business Analytics

Data modeling

Education

B.Tech / B.E or Bachelor's degree in a quantitative discipline; OR 5-year integrated M.Tech

Job description

National Payments Corporation of India (NPCI) | Full Time

• Department Business Analytics and Insights
• Date Opened 06/08/2026
• State/Province Maharashtra
• Required Skills
  • Business Analytics
  • Data modeling
  • +6
• Job Type Full Time

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

TheNPCIWAY –OurGuidingPrinciples

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 TenetsoftheNPCIWAY

• 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 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”).

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.

Requirements

• pricing and unit-economics analysis
• offer design and incrementally 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 judgment and stakeholder communication
• B.Tech / B.E. or Bachelor's degreein a quantitative discipline, plus a management degree; OR a 5-year integrated M.Tech. Candidates should be from IIT / NIT or a similar reputable institution.