Business Analyst

Original Job Description

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Job Description

Business Analyst (2 to 5 Years) Lending

Bengaluru

About PhonePe Limited:

Headquartered in India, its flagship product, the PhonePe digital payments app, was launched in Aug 2016. As of April 2025, PhonePe has over 60 Crore (600 Million) registered users and a digital payments acceptance network spread across over 4 Crore (40+ million) merchants. PhonePe also processes over 33 Crore (330+ Million) transactions daily with an Annualized Total Payment Value (TPV) of over INR 150 lakh crore.

PhonePe’s portfolio of businesses includes the distribution of financial products (Insurance, Lending, and Wealth) as well as new consumer tech businesses (Pincode - hyperlocal e-commerce and Indus AppStore Localized App Store for the Android ecosystem) in India, which are aligned with the company’s vision to offer every Indian an equal opportunity to accelerate their progress by unlocking the flow of money and access to services.

Culture:

At PhonePe, we go the extra mile to make sure you can bring your best self to work, Everyday!. And that starts with creating the right environment for you. We empower people and trust them to do the right thing. Here, you own your work from start to finish, right from day one. PhonePe-rs solve complex problems and execute quickly; often building frameworks from scratch. If you’re excited by the idea of building platforms that touch millions, ideating with some of the best minds in the country and executing on your dreams with purpose and speed, join us!

Experience Bucket: 2 to 5 Years

What kind of person are we looking for?

First-principle problem solvers who are passionate about working with data and uncovering the stories that the numbers hide. If you’re a curious mind and constantly questions the status-quo, then you’d fit right in with us.

What would you get if you work with us?

You’ll be closely working on problem statements and influencing decisions that impact 60 crore + people; if you’re not keeping track. You’ll get to interact with some of the smartest professionals that the country has to offer and get exposure to all facets of building a product at scale. You get complete ownership and responsibility of all analytics support for your area right from identifying the problem to presenting to the CEO, if need be.

What would you get to do in this role?

Be an integral part of the pod strategy and will have to define the critical metrics. You’ll also monitor performance trends and influence any interventions, based on performance.

Collaborate closely with the business, and product functions to understand the business problem and translate them into the right analytical problem statement.

Own the entire insight generation phase and work on deep, thorough analysis to provide unbiased answers on the identified problem statement. These insights and decisions will be influenced based on your presentation of the evidence, backed by a data-driven hypothesis.

Move past just being the “Data person” and contribute with individual thoughts on how to improve the critical metrics for the pod. We love people who think of themselves as the business owner and then go back to the data to prove or disprove the thought.

Act as the analytics and visualization SME for the team and ensure that the dashboards are designed and built in a way that makes it easy for the pod to consume the data they need.

Mentor other analysts in the team; play an active role in hiring process & new team members’ onboarding process

What do you need to have to apply for this position?

Minimum 2 years of overall analytics experience, including 1 year of experience in the lending domain.

Strong problem solving & analytical skills.

Penchant for business & curiosity to understand how the product works.

Ability to write complex queries on SQL to manipulate, consolidate multiple data sources for the purpose of dashboarding and analysis.

Intuition for data and ability to handle big data sources.

Strong working knowledge in Excel and visualization tools like PowerBI, Tableau, QlikView.

Understanding of data-analysis languages such as R, Python and in core statistical concepts is expected; Experience in building ML models is good-to-have, but not mandatory. Ability to clearly explain thoughts and ideas either verbally or in the written form.

Candidates who are able to explain the story behind their analysis will find themselves at an advantage.

PhonePe Full Time Employee Benefits (Not applicable for Intern or Contract Roles)

Insurance Benefits - Medical Insurance, Critical Illness Insurance, Accidental Insurance, Life Insurance

Wellness Program - Employee Assistance Program, Onsite Medical Center, Emergency Support System

Parental Support - Maternity Benefit, Paternity Benefit Program, Adoption Assistance Program, Day-care Support Program

Mobility Benefits - Relocation benefits, Transfer Support Policy, Travel Policy

Retirement Benefits - Employee PF Contribution, Flexible PF Contribution, Gratuity, NPS, Leave Encashment

Other Benefits - Higher Education Assistance, Car Lease, Salary Advance Policy

Our inclusive culture promotes individual expression, creativity, innovation, and achievement and in turn helps us better understand and serve our customers. We see ourselves as a place for intellectual curiosity, ideas and debates, where diverse perspectives lead to deeper understanding and better quality results. PhonePe is an equal opportunity employer and is committed to treating all its employees and job applicants equally; regardless of gender, sexual preference, religion, race, color or disability. If you have a disability or special need that requires assistance or reasonable accommodation, during the application and hiring process, including support for the interview or onboarding process