Data Analyst

About BharatNXT

Small businesses often face operational cash flow challenges. BharatNXT bridges these gaps with on-demand financing options, streamlining payments (vendors, rent, taxes, utilities, etc.) and offering credit management tools to empower these businesses to seize opportunities and grow. Since inception, we have unlocked over $1+ Bn in credit across 1.5+ Mn small businesses.

BharatNXT is part of the Google for AI startups cohort: https://blog.google/intl/en-in/welcoming-the-inaugural-class-of-google-for-startups accelerator-apps-2024/

and also featured in leading publications like Forbes: https://www.forbesindia.com/article/take-one-big-story-of-the-day/bharatnxt-the-bridge-to-effective-payments-solutions-for-smes/85941/1

About the Role

We are looking for a Data Analyst to transform raw data into meaningful insights that drive business decisions. In this role, you will work across multiple departments, analyzing operational, financial, and risk-related data to identify trends, optimize processes, and enhance overall efficiency. Your work will play a critical role in improving business strategies, automating reporting, and ensuring data-driven decision-making.

Key Responsibilities:

• Data Analysis & Insights: Analyze large datasets to identify trends, patterns, and anomalies across various business functions.
• Risk & Operations Monitoring: Track and assess risk trends, dispute patterns, and transaction behaviors to enhance risk mitigation strategies.
• Performance Optimization: Conduct routing checks, refund trend analysis, and P&L optimizations to improve overall system efficiency.
• Cohort & Differential Analysis: Provide detailed insights into cohort behaviors, refund retention strategies, and transaction flow optimizations.
• Stakeholder Collaboration: Work closely with the Risk, Operations, and Finance teams to implement data-driven strategies.
• Process Automation & Reporting: Develop dashboards, monthly reports, and summary sheets to provide visibility into key metrics.

Key Skills & Qualifications:

• Bachelor's/Master’s degree in Data Science, Statistics, Finance, or a related field.
• Min 1 yrs experience with analytics tools such as MoEngage, Tableau, or Power BI is a plus.
• Strong understanding of financial and operational metrics, including P&L, refund flows, and dispute trends.
• Detail-oriented with excellent problem-solving skills and an ability to identify inefficiencies.
• Prior experience in fintech, banking, or payments industry is an advantage.

We are a small team of highly motivated people and want people who have a strong sense of ownership and passion for what they do. If you are expecting a 9-5 type, very well-defined structured role - this is not the place for you. But if you are looking for a steep learning curve building innovation in the payment space and are ready to roll up your sleeves to get work done, we would love to hear from you!