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”).
· 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
· Portfolio and product analytics
· customer and merchant segmentation
· propensity, attrition and cross-sell
modelling
· 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)
Skills Required
- Experience in portfolio and product analytics
- Experience with customer and merchant segmentation
- Experience building propensity, attrition, and cross-sell models
- Experience with pricing and unit-economics analysis
- Experience with offer design and incrementality measurement
- Experience building and governing reusable data assets
- Strong statistical and data-handling skills
- SQL, Python, or SAS proficiency
- Sound judgment and stakeholder communication skills
- Bachelor's degree in a quantitative discipline plus a management degree, or a five-year integrated M.Tech.
- Graduation from IIT, NIT, or a similar reputed institution
- Experience working on a big data platform and environment
What We Do
NPCI is an umbrella organisation for all retail payment systems in India. It was set up with the support & guidance from Reserve Bank of India (RBI) & Indian Banks Association (IBA). A registered company under Section 8 of the Companies Act, 2013. Watch the NPCI Corporate AV - https://youtu.be/RGl9YQ6CB20 Products & Services Unified Payments Interface Unique payment solution which empowers a recipient to initiate the payment request from a smartphone. It facilitates 'virtual payment address' as a payment identifier for sending & collecting money & works on single click 2 factor authentication. Immediate Payment Service A 24X7, real time, cost effective, independent channel, retail payment service, introduced by NPCI, empowering customers to transfer money instantly with banks & RBI authorised PPIs across India. RuPay Robust card scheme designed to offer payment products with superior features & processes specifically designed to cater to diverse consumer needs. *99# USSD based mobile banking platform that makes banking services accessible to all the bank account holders on their mobile phones. National Automated Clearing House Centralised payment system developed with an aim to consolidate multiple ECS systems running across the country & provide a framework for the removal of local barriers/inhibitors. Aadhaar Enabled Payment System Bank led model which allows online financial inclusion transactions at micro-ATMs through the business correspondent of any bank using the Aadhaar authentication. e-KYC Electronic way of conducting authentic & real time KYC of a customer using Aadhaar authentication. Cheque Truncation System Electronic image of the cheque is transmitted to the drawee bank by the clearing house, along with relevant information. National Financial Switch Facilitates routing of ATM transactions through inter-connectivity between its member institutions thereby enabling the citizens of the country to utilise any ATM of a connected entity
