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 / MumbaiAbout 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 quick-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

📌 Lead - Payment Analytics (Maharashtra)
🏢 Financial services
📍 Maharashtra