Senior Lead Business Analytics

National Payments Corporation of India; Mumbai; On-site; INR 1,200,000 - 1,500,000; Full time

Benefits offered by this job

Comprehensive Coverage

Employee Assistance Program

Annual Wellness Bouquet

Parental Leave

Relocation support

Job summary

National Payments Corporation of India (NPCI) invites applications for a data analytics role focused on portfolio analytics, segmentation, and governance. You will own analytics for NPCI flagship products, build dashboards, and collaborate with product and risk teams to drive growth and profitability.

The position emphasizes data-driven decision making, strong statistical skills, and experience with big data platforms. Mumbai-based, full-time role with competitive benefits.

Qualifications

• Strong capability in portfolio and product analytics.
• Ability to perform customer and merchant segmentation.
• Proficiency in propensity, attrition and cross-sell modelling.
• Experience with pricing and unit-economics analysis.
• Comfort building data assets and governance standards.

Responsibilities

• Own end-to-end analytics for NPCI flagship payment products (RuPay, UPI, NETC).
• Build and maintain dashboards and perform deep-dive analyses for growth and profitability.
• Develop personas, value tiers and lifecycle segments to guide offers and engagement.
• Model propensity, attrition and cross-sell; convert segments into targeting cohorts.
• Collaborate with product, risk and commercial teams to drive data-driven decisions.

Skills

Business Analytics

Data modeling

+6

Education

B.Tech / B.E. or M.Tech from IIT/NIT or equivalent

Tools

SQL

Python / SAS

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.

FiveTenetsoftheNPCIWAY

• 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.

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 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

Portfolio and product analytics

customer and merchant segmentation

propensity, attrition and cross-sellmodelling

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-year integrated M.Tech. Candidates should be from IIT / NIT or a similar reputedinstitution.