NPCI - Product & Portfolio Analytics Role
About NPCI
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
At NPCI, we foster a culture of Inclusion, Innovation, and a High-Performance Workplace.
The NPCI WAY is not just a framework-it's a shared commitment by every individual to align with our evolving business needs, dynamic market conditions, and workforce expectations.
Five Tenets of the NPCI WAY:
- Forward Thinking Mind-Set
- Customer First
- Lead With Purpose
- Passion to Deliver
- All Succeed Together
Employee Perks and Benefits
- Comprehensive Coverage: Medical, accidental, and life insurance.
- Employee Assistance Program: Onsite medical center, financial/legal counselling, mental wellness.
- Annual Wellness Bouquet: Holistic wellbeing support
Family & Childcare:
- Parental Leave: Inclusive maternity and paternity leave.
- Daycare Support: Assistance for working parents.
Mobility & Lifestyle:
- Mobility Benefits: Relocation, transfers, and travel support.
- Home Loan Interest Support: Up to 50% reimbursement
- Mobile Reimbursement: New handset every 2 years.
- Car Lease, Salary Advance, Subsidized Meals.
Career & Recognition:
- Education Partnerships: Upskilling via top institutions.
- Reward & Recognition Program.
- Technology Innovation: Patents and IP Rights policy.
Retirement Planning:
- Provident Fund (PF) and Gratuity Contributions.
Why Join Us
The opportunity
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").
Key Responsibilities
- 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.
Required skills and Education
- Customer and merchant segmentation
- Propensity, attrition and cross-sell modelling
- Pricing and unit-economics analysis
- Offer design and incrementality 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 judgement and stakeholder communication
- B.Tech / B.E. or Bachelor's degree in a quantitative discipline, plus a management degree; OR a 5-year integrated M.Tech. Candidates should be from IIT / NIT or a similar reputed institution.
- 8+ years of relevant experience, preferably in payments analytics, telecom analytics or digital analytics.
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