Senior Analyst, Group Compliance

Razorpay is one of Indias leading full-stack financial technology companies powering the way businesses move manage and grow money. Founded in 2014 by Harshil Mathur and Shashank Kumar with a simple vision - to simplify payments for Indian businesses - weve since grown into a fintech powerhouse driving Indias digital payment revolution.

Razorpay powers millions of businesses with a smarter scalable stack that goes beyond transactions to help them truly build and grow.

From building AI-native agentic payments to AI-assisted fraud detection and real-time risk intelligence to automated reconciliation smart payouts and predictive financial insights we are embedding intelligence across our stack to make money movement faster safer and more close collaboration with ecosystem partners - including banks networks regulators - we are pioneering industry-first solutions that are shaping the next era of fintech

Across India Singapore and Malaysia our products span everything from seamless checkouts to payroll automation - powering a fintech ecosystem thats redefining how money moves across Asia.

Today that ecosystem supports everyone from early-stage startups to some of Indias largest enterprises enabling them to accept process and disburse payments at scale while expanding into new ways of managing money more efficiently.

Our scale speaks volumes: Razorpay processes $180 billion in annualized transactions powering leading businesses like Airbnb Facebook WhatsApp Airtel CRED BookmyShow Zomato Swiggy Lenskart Mirae Asset Capital markets Indian Oil National Pension Scheme - and over 100 of Indias unicorns. With strong roots in India and growing operations in Southeast Asia we are shaping the next chapter of financial technology across the region.

We are backed by global investors including GIC Peak XV Partners (formerly Sequoia Capital India & SEA) Tiger Global Ribbit Capital Matrix Partners MasterCard and Salesforce Ventures having raised over $740 million to date. Strategic acquisitions - including Ezetap (POS and offline payments) Curlec (Malaysia expansion) BillMe (digital invoicing) and POP (rewards-first UPI) - along with earlier moves in fraud prevention payroll and lending have further strengthened our platform and widened our footprint across Asia.

But what truly sets Razorpay apart is our culture. At Razorpay ownership is our oxygen - you own what you build with no micromanagement or red tape just the runway to make your ideas fly. Learning is a lifestyle - if youre curious youll feel at home here. People > Pedigree - we hire for attitude hustle and hunger more than degrees. Transparency thrives over titles - this is where interns question CXOs and CXOs say thank you. Guided by our values of Customer First Autonomy & Ownership Agility with Integrity Transparency Challenging the status quo and a strong belief that Razorpay grows with Razors youll be part of a 3000 strong team building not just products but the financial infrastructure of the future.

Razorpays IFSC entity operates as a Payment Service Provider (PSP) regulated by the International Financial Services Centres Authority (IFSCA). This role sits within the Risk Management function and is responsible for risk identification monitoring and management across the entitys business activities in line with IFSCA requirements. The incumbent will work closely with Operations and Compliance to implement the IFSCA risk-based approach covering business risk assessment customer risk assessment and enterprise-wide risk assessment from an AML-CFT and KYC perspective and will support the designated official at the IFSC level in ensuring payment service activities are carried out in line with the risk management practices set out in Board-approved policies.

Key Responsibilities:

• Risk Identification & Management: Identify assess and monitor business customer and enterprise-wide risks in line with IFSCAs risk-based approach and the entitys risk management policies.
• Transaction Monitoring: Monitor transactions for unusual or suspicious patterns investigate system-generated alerts and escalate red flags for further action within defined timelines.
• Sanction Screening: Conduct sanction and watchlist screening of customers and transactions and ensure timely and accurate closure of screening alerts.
• Fraud & Chargeback Management: Review and manage fraud cases and chargebacks identify patterns and trends and recommend controls to mitigate recurring risks.
• SAR Reporting: Prepare Suspicious Activity Reports (SARs) with complete supporting documentation and submit them to the Compliance Officer accurately and within prescribed timelines.
• AML-CFT & KYC Risk Assessments: Support business risk assessment customer risk assessment and enterprise-wide risk assessment from an AML-CFT and KYC standpoint in coordination with the Compliance function.
• Cross-functional Coordination: Partner with the Operations and Compliance teams to ensure risk management practices are consistently implemented across payment service activities.
• Policy Adherence & MIS: Ensure adherence to approved risk management policies and procedures and maintain accurate records and MIS for internal review and regulatory reporting.

Required Qualifications and Skills:

• Education: Graduate/Postgraduate degree in Finance Commerce Business Administration or a related field. A certification such as CAMS (Certified Anti-Money Laundering Specialist) is an added advantage.
• Experience: 2 to 4 years of relevant experience in risk management AML/KYC transaction monitoringsanction screening or fraud and chargeback management preferably within a bank NBFC payment aggregator/PSP or fintech organisation.

Technical Skills:

• Working knowledge of AML-CFT KYC and sanctions screening frameworks and processes.
• Familiarity with IFSCA regulations applicable to payment service providers or general knowledge of RBI/payment industry regulatory frameworks.
• Hands-on experience with transaction monitoring and case management systems and strong working knowledge of MS Excel for data analysis.

Soft Skills:

• Strong analytical and investigative skills with close attention to detail.
• Clear written communication skills for report writing and SAR documentation.
• Ability to work independently and coordinate effectively across Operations Compliance and other functions.
• High ethical standards and integrity.