You can become a part of …

… a truly aspirational brand, one of India’s fastest growing fintech companies that offers a range of financial services & products for merchants, kirana store owners and end consumers. Valued at over $2.8 Bn within a short span of 3+ years, we focus on empowering small business owners and retailers with business ranging from QR & PoS payments to easy loans to high-yield investment products which in turn enables them to grow and transform. We understand that business and culture are two sides of the same coin. So, alongside business, we are equally focused on building a culture where employees succeed unconditionally.

We believe we are in an ever-evolving space with immense opportunity to build for Bharat! Our people will enable this journey with their ideas, innovations and capabilities. We value diversity, where we encourage different points of view, ways of thinking, new capabilities to strengthen and improve the lives of our customers. And that is not all, we have a lot of fun while we explore new ideas, solve real problems, collaborate, connect — and we do it all together.

Connect with us over social media, coffee or call. We promise to excite you with an opportunity that will “change the game”!

In this role, you have the opportunity to …

…be part of the team building the definitive financial services platform for the merchant community in India. As part of the lending team, you will be responsible for developing & growing one of the first successful implementations of lending based on velocity-led underwriting in this part of the world. As the BharatPe network grows, we will test newer models and engagements for revenue growth, and you will get an opportunity to not only scale the existing (and quite substantial) business of unsecured merchant lending but also experiment with various Zero-to-One opportunities as we focus on blitz scaling our revenue growth.

Responsibilities will include …

Functional Expertise

● Provide data driven insights that lead to actionable business recommendations for key stakeholders in a simple, clear, and compelling manner. Understand and meet their analytics needs on a continual basis

● Monitor existing metrics/scorecards and partner with the team to chart a path for growth and/or improvement

● Maintain required documentation to ensure inventory of all key findings from trends and growth opportunities

● Perform exploratory data analysis to identify trends, patterns, correlations, and insights; this is a great opportunity to learn how to develop the famous ‘gut instinct’ by developing & testing hypothesis extensively and periodically

● Develop/improve, measure & track key metrics and performance indicators to evaluate business performance

● Work effectively with cross-functional teams; learn and apply best practices by studying not only competitors but similar models in other geographies

● Perform extensive QA to ensure the quality and integrity of data; follow a standard process for reporting any issues identified and work with the appropriate Product, Technology and/or Data teams to close any emerging issues

● Develop data models and dashboards to enable in-market performance

● Analyze network metrics to assess performance gaps

● Build FSE analytics on vintage, attendance, ways of working, incentive earning etc to then advise on rate card intervention impacts

● Create and manage dashboards, intervention trackers and business health metrics

● Leading IBCC towards ensuring timely closure of issues raised and leveraging challenges to build hypothesis and insights. Partnering Central Trainer / Regional Trainers to build capacity of telecallers.

Problem solving

● Partner businesses on doing RCA’s for gaps versus plan for all levers

● Deepening market understanding through building cohorts of markets by type / pin-code analysis / population strata, channel-level analysis [by MCC]

● Solving business problems like: ‘How to leverage Assigned tasks?”, “Which areas are under-indexed w.r.t TN?”, “Effectiveness of rate-card?”, “Differential rate card performance”

● M1 churn reduction / RTO analysis

● Collaborate with tech/data engineering teams to ensure data availability, cleanliness, and automation of recurring insights.

Interaction

● Partner with the Lending Product, POS devices, Invest/Consumer and Sales teams to align analytics with business goals.

● Present insights to CNO with clear storytelling and actionable recommendations.

● Influence go-to-market strategies by supporting pilot design, impact analysis, and scale decisions.

People

Enhancing performance for GTA’s and telecallers through building their capability, leveraging AI, advanced tools and incorporating cross-region learnings to improve business performance.

To succeed in the role …

Qualifications

● Tier-1 graduate / post-graduate school

● 5-7 years of experience (though we prefer quality over quantity!)

Skills, experiences & behaviors

● A curious mind and a mastery over numbers – you are comfortable with ambiguity and love to

experiment

● Expert knowledge of SQL and MS Excel. Exposure and familiarity with Python, R, Spark SQL

preferred

● Understanding of data modelling concept and partnering on building new DW tables

● Hands-on data visualization experience through Tableau, Metabase etc.

● Knowledge of basic statistical concepts with emphasis on statistical hypothesis testing (t-tests, z-

tests, etc.) would be a good to have

BharatPe

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