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.
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