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Nandini gupta

Business Analyst @Pine Labs | Founder — “The What Next Space, Let’s discuss together” | MA Economics @Ashoka University | FRM Level 1 Candidate | Ex-UCSC Research Assistant

Gurugram

2+ years of work experience

Pine Labs
May 20251 yr 4 mosPresent

Partner with Product, Analytics, Technology, and Business teams to gather, define, and document business requirements, translating them into data-driven solutions and reporting frameworks. Developed and maintain a Business-As-Usual (BAU) forecasting model leveraging historical UPI transaction trends, seasonality, and portfolio behaviour to estimate future transaction volumes and support quarterly stress-testing scenarios. Perform stress testing and variance analysis against BAU projections to assess business performance under different growth, transaction, and market scenarios, enabling proactive business planning. Analyse the end-to-end UPI ecosystem, including transaction flows, issuer-acquirer dynamics, customer adoption trends, merchant behaviour, and regulatory developments to identify growth opportunities and business risks. Conduct P&L analysis, revenue forecasting, variance analysis, and profitability assessments for the RuPay Credit Card on UPI portfolio, providing data-driven insights to support business planning and strategic decision-making. Manage revenue and cost reconciliation processes with HDFC Bank and ICICI Bank, ensuring financial accuracy, identifying discrepancies and revenue leakages, and driving timely resolution to strengthen financial controls and profitability. Drive portfolio analytics for RuPay Credit Card on UPI, monitoring transaction volumes, activation rates, revenue contribution, customer engagement, and profitability metrics. Develop strategic recommendations based on transaction behaviour, market trends, competitor movements, and portfolio performance to support business expansion and revenue growth initiatives. Conduct deep-dive ad-hoc analyses to identify performance drivers, customer usage patterns, transaction drop-offs, and optimisation opportunities across the payments portfolio.
Facilius Inc.
Oct 20248 mosMay 2025

Remote

At Facilius Marketing Pvt. Ltd., I worked as a Business Development Executive, primarily managing clients from the US market. My responsibilities included identifying potential clients through market research, understanding their business requirements, and reaching out to them through multiple communication channels. Once a client showed interest, I conducted discovery calls to gather detailed information about their business, marketing objectives, target audience, budget, and project expectations. Based on these discussions, I coordinated with our internal marketing and creative teams to ensure the proposed solutions aligned with the client's requirements. I acted as the primary point of contact throughout the engagement, managing client communication, tracking project progress, resolving queries, and ensuring timely delivery of services. This role strengthened my stakeholder management, requirement gathering, problem-solving, and cross-functional coordination skills while giving me exposure to working with international clients across different time zones. Overall, it taught me how to convert business requirements into actionable deliverables while maintaining strong client relationships and ensuring customer satisfaction.
University of California, Santa Cruz
Jun 20243 mosAug 2024

Santa Cruz County, California, United States

During my Research Assistantship at the University of California, Santa Cruz, I worked on a project analyzing the liquidity position of German banks. The objective was to understand how liquidity management affects a bank's financial performance and contributes to overall financial stability. I worked with historical financial data from multiple German banks and calculated key liquidity ratios such as the Liquidity Coverage Ratio (LCR), Loan-to-Deposit Ratio (LDR), Current Ratio, and other balance sheet indicators. Using statistical and econometric techniques, I analyzed the relationship between these liquidity measures and bank performance indicators like profitability and operational efficiency. One of the key learnings was that maintaining optimal liquidity is a balancing act. Excess liquidity can reduce profitability because idle funds generate lower returns, whereas insufficient liquidity increases the risk of failing to meet short-term obligations and can create systemic risks. This project also helped me understand the broader macroeconomic impact of banking liquidity. Since banks create credit, their liquidity position directly influences lending activity, which affects money supply in the economy. Changes in money supply can subsequently influence inflation, economic growth, and monetary policy decisions made by central banks. Overall, the project strengthened my understanding of financial markets, banking regulations, econometric analysis, and how quantitative data can support strategic decision-making in the financial sector.

Nandini’s AI Stack

claude code
claude code
openai
openai

Education

Ashoka University

Master's degree, Economics

Ashoka University

20232 yrs2025

Bachelor of Arts - BA, Economics

Maitreyi Degree College for Women

20203 yrs2023

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Headline

Business Analyst @Pine Labs | Founder — “The What Next Space, Let’s discuss together” | MA Economics @Ashoka University | FRM Level 1 Candidate | Ex-UCSC Research Assistant

About

I am a Business Analyst at Pine Labs with experience in payments, fintech, business strategy, portfolio analytics, financial analysis, and data-driven decision-making. My work spans the UPI ecosystem, revenue strategy, forecasting, stress testing, P&L analysis, reconciliation, and stakeholder management, where I collaborate with cross-functional teams to deliver insights that drive business growth. I enjoy solving complex business problems using data and continuously enhance my skills in SQL, Power BI, Advanced Excel, Python, financial modelling, and business intelligence. With a strong academic foundation in Economics and a passion for finance, I am committed to building expertise at the intersection of analytics, strategy, and financial services. Currently pursuing the FRM certification, I am actively exploring opportunities in Investment Banking, Corporate Finance, Risk Management, Strategy, and FinTech where I can create meaningful business impact while continuing to learn and grow. Always open to connecting with professionals, exchanging ideas, and exploring new opportunities.

Location

Gurugram

AI stack

claude code

openai

Work experience

Business Analyst at Pine Labs, May 2025 - Present · 1 yr 4 mos, Partner with Product, Analytics, Technology, and Business teams to gather, define, and document business requirements, translating them into data-driven solutions and reporting frameworks. Developed and maintain a Business-As-Usual (BAU) forecasting model leveraging historical UPI transaction trends, seasonality, and portfolio behaviour to estimate future transaction volumes and support quarterly stress-testing scenarios. Perform stress testing and variance analysis against BAU projections to assess business performance under different growth, transaction, and market scenarios, enabling proactive business planning. Analyse the end-to-end UPI ecosystem, including transaction flows, issuer-acquirer dynamics, customer adoption trends, merchant behaviour, and regulatory developments to identify growth opportunities and business risks. Conduct P&L analysis, revenue forecasting, variance analysis, and profitability assessments for the RuPay Credit Card on UPI portfolio, providing data-driven insights to support business planning and strategic decision-making. Manage revenue and cost reconciliation processes with HDFC Bank and ICICI Bank, ensuring financial accuracy, identifying discrepancies and revenue leakages, and driving timely resolution to strengthen financial controls and profitability. Drive portfolio analytics for RuPay Credit Card on UPI, monitoring transaction volumes, activation rates, revenue contribution, customer engagement, and profitability metrics. Develop strategic recommendations based on transaction behaviour, market trends, competitor movements, and portfolio performance to support business expansion and revenue growth initiatives. Conduct deep-dive ad-hoc analyses to identify performance drivers, customer usage patterns, transaction drop-offs, and optimisation opportunities across the payments portfolio.

Business Development Executive at Facilius Inc., Oct 2024 - May 2025 · 8 mos, Remote, At Facilius Marketing Pvt. Ltd., I worked as a Business Development Executive, primarily managing clients from the US market. My responsibilities included identifying potential clients through market research, understanding their business requirements, and reaching out to them through multiple communication channels. Once a client showed interest, I conducted discovery calls to gather detailed information about their business, marketing objectives, target audience, budget, and project expectations. Based on these discussions, I coordinated with our internal marketing and creative teams to ensure the proposed solutions aligned with the client's requirements. I acted as the primary point of contact throughout the engagement, managing client communication, tracking project progress, resolving queries, and ensuring timely delivery of services. This role strengthened my stakeholder management, requirement gathering, problem-solving, and cross-functional coordination skills while giving me exposure to working with international clients across different time zones. Overall, it taught me how to convert business requirements into actionable deliverables while maintaining strong client relationships and ensuring customer satisfaction.

Research Assistant at University of California, Santa Cruz, Jun 2024 - Aug 2024 · 3 mos, Santa Cruz County, California, United States, During my Research Assistantship at the University of California, Santa Cruz, I worked on a project analyzing the liquidity position of German banks. The objective was to understand how liquidity management affects a bank's financial performance and contributes to overall financial stability. I worked with historical financial data from multiple German banks and calculated key liquidity ratios such as the Liquidity Coverage Ratio (LCR), Loan-to-Deposit Ratio (LDR), Current Ratio, and other balance sheet indicators. Using statistical and econometric techniques, I analyzed the relationship between these liquidity measures and bank performance indicators like profitability and operational efficiency. One of the key learnings was that maintaining optimal liquidity is a balancing act. Excess liquidity can reduce profitability because idle funds generate lower returns, whereas insufficient liquidity increases the risk of failing to meet short-term obligations and can create systemic risks. This project also helped me understand the broader macroeconomic impact of banking liquidity. Since banks create credit, their liquidity position directly influences lending activity, which affects money supply in the economy. Changes in money supply can subsequently influence inflation, economic growth, and monetary policy decisions made by central banks. Overall, the project strengthened my understanding of financial markets, banking regulations, econometric analysis, and how quantitative data can support strategic decision-making in the financial sector.

Education

Master's degree, Economics, Ashoka University

Bachelor of Arts - BA, Economics, Maitreyi Degree College for Women

Nandini gupta - Business Analyst in Gurugram | Tal