Sr Associate Business Analytics

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

Job summary

NPCI seeks a Senior Associate Business Analytics to provide data-driven insights for product, growth and commercial teams across RuPay, UPI, Acceptance and NETC. The role converts portfolio data into actions to improve growth, retention and profitability, embedding analytics early in product lifecycles and enabling faster decisions.

The candidate will build reusable data assets, dashboards and segmentation models, partner with stakeholders to solve portfolio problems, and communicate findings

Responsibilities

• Build reusable data assets for NPCI flagship products (RuPay, UPI, Acceptance, NETC).
• Establish metric definitions, documentation and data-quality standards.
• Own end-to-end analytics for flagship products and translate findings into actionable recommendations.
• Develop dashboards and deep-dive analyses to drive growth, retention and profitability.
• Design segmentation using behavioral and transactional signals to guide product and engagement strategy.

Job description

Job Summary

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).

Job Details

Job Opening Name: Senior Associate Business Analytics

Job Type: Full Time

Location: Maharashtra

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.