Lead - Payment Analytics

Job Description

Role snapshot

You will lead Payments Analytics for Aditya Birla Capital Digital (ABCD), driving end-to-end analytics across payments acquisition, transaction growth, customer engagement, and monetization. This role will focus on scaling digital payments adoption, improving customer retention, and optimizing transaction journeys through data-driven insights and AI-led decision-making.

This is a leadership role requiring strong hands-on expertise in analytics/data science, along with a solid understanding of digital payments ecosystems and the ability to influence stakeholders and build a high-performing team.

Location: Thane / Mumbai

About Aditya Birla Capital

Aditya Birla Capital Limited (ABCL) is the holding company for the financial services businesses of the Aditya Birla Group. With a presence across Protecting, Investing, and Financing solutions, ABCL serves customers across their financial lifecycle.

Backed by 34,000+ employees, 1,200+ branches, and 2,00,000+ partners, ABCL operates at scale and is part of the global Aditya Birla Group across 36 countries.

About the Team: Aditya Birla Capital Digital (ABCD)

. ABCD is a wholly owned subsidiary set up in 2023 to drive digital distribution and engagement
. It is building a D2C omni-channel platform (app + web) across lending, investments, insurance, and payments
. Drives customer acquisition, engagement, and cross-sell via digital and assisted channels
. Focused on leveraging data, analytics, and technology to build a scalable digital ecosystem

About the Role: Payments Analytics & Data Science

We are looking for a senior analytics leader with strong experience in digital payments (UPI, wallets, cards, bill payments, merchant ecosystems) who can drive growth and engagement through data-led strategies.

You will help ABCD unlock value in payments by:
. Driving user acquisition and activation of payments users
. Increasing transaction frequency and merchant adoption
. Improving retention, stickiness, and share of wallet
. Enabling cross-sell opportunities to lending, investments, and insurance

Key responsibilities

. Define payments analytics strategy-aligning analytics with key goals like user growth, transaction volume (TPV), frequency, and monetization

. Drive acquisition & activation funnels including onboarding, KYC completion, first transaction journeys, and merchant/payee creation

. Build user lifecycle frameworks covering activation, engagement, retention, churn, and reactivation

. Enable personalization at scale through NBA/NBO models-driving relevant offers, bill reminders, recharge nudges, and merchant recommendations

. Develop ML models such as transaction propensity, churn prediction, fraud signals support, customer segmentation, and spend behavior modeling

. Drive transaction growth strategies-increase frequency, average ticket size, and category expansion (recharges, bill pay, P2P, merchant payments)

. Collaborate with product & business teams to optimize payment journeys, reduce friction, and improve success rates (failures, drop-offs)

. Leverage AI-first approach using GenAI/AI tools for automated insights, anomaly detection, reporting, and self-serve analytics

. Drive campaign analytics & experimentation (A/B tests, cohort strategies) to optimize incentives, cashback ROI, and campaign performance

. Partner with data engineering to build scalable transaction datasets, merchant/customer views, and real-time analytics pipelines

. Define KPIs & dashboards across funnel metrics (activation, transactions/user), TPV, merchant coverage, retention, and campaign ROI

. Work closely with risk & fraud teams to support fraud detection strategies, anomaly tracking, and safe transaction ecosystems

. Ensure compliance with payments regulations, data privacy, and governance standards

. Build and lead a high-performing analytics team, fostering strong technical capability, ownership, and stakeholder alignment

What you bring

. Bachelor's/Master's in Mathematics, Statistics, Engineering, or a related quantitative field

. 8-12 years of experience in analytics/data science with strong exposure to payments / fintech / digital transactions ecosystems

. Strong understanding of UPI, wallets, cards, bill payments, merchant ecosystems, and transaction funnels

. Hands-on expertise in Python, SQL, PySpark, and working with large-scale transactional datasets

. Experience in customer lifecycle analytics, campaign analytics, and real-time decisioning

. Familiarity with fraud analytics, transaction monitoring, and risk signals is preferred

. AI-first mindset with exposure to GenAI or advanced analytics tools

. Strong problem-solving skills and ability to translate business needs into analytical solutions

. Proven experience in stakeholder management across product, business, risk, and tech teams

. Experience in building and scaling analytics teams

Why join ABCD

. Be part of a fast-growing digital ecosystem with payments as a key engagement lever

. Own a high-impact role driving transaction growth and customer stickiness

. Work on cutting-edge use cases across UPI, digital payments, and embedded finance

. Solve complex problems across customer journeys, real-time analytics, and personalization

. Build and scale a strong analytics team in a high-growth, innovation-driven environment