Solutions Architect

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.

The Role - Every rupee that moves through RazorpayX touches a bank integration you will own architect and make faster owningend-to-end reliability and performance of payment rails. You will sit at the intersection of RazorpayX platform engineeringand partner bank systems accountable for the reliability performance and architecture of every payment corridor. This isa hands-on IC role: you write code shape architecture and directly influence bank-side systems to drive SR latency andavailability improvements at scale.

What Youll Own

Platform Reliability
Own SR Latency and Availability as primary KPIs drive structural fixes not patches.
Define SLOs per bank corridor; build observability frameworks for real-time health visibility.
AI-driven anomaly detection and LLM-assisted RCA to cut MTTR on SR drops.

Banking Ecosystem & Partner Engineering
Primary technical counterpart to bank engineering drive API design architecture reviews and joint SLA sessions.
Standardize onboarding playbooks; identify STP opportunities to eliminate manual touchpoints.
Work across UPI IMPS NEFT RTGS to maintain Razorpays technical advantage.
ML-based failure prediction for proactive traffic re-routing before SLA breaches.

Platform Strategy & Architecture
Build reusable bank-agnostic integration layers not one-off bank-specific implementations.
Drive internal decisions: retry strategies circuit breakers idempotency queue designs.
Own the 1224 month technical roadmap for the RazorpayX banking integration layer.
Champion AI-native infra: self-healing integrations intelligent fallback routing adaptive rate limiting.

Cross-Functional Partnerships
Drive prioritization with Engineering Banking Partnerships Operations Finance Compliance and Merchant Success translating merchant pain into root technical causes and shipping fixes.

Required Experience
Payments Domain
Deep knowledge of UPI IMPS NEFT RTGS including bank-side processing pipelines settlement cycles and
failure taxonomy.
Hands-on experience building and operating bank integrations at scale.
Technical Skills
Distributed Systems consistency idempotency failure handling at high throughput.
APIs & Event-Driven Architecture Kafka queue-based retry dead-letter handling exactly-once semantics.
Observability metrics distributed tracing structured logging (Prometheus/Grafana or equivalent).

Preferred Background
812 years in payments banking tech or fintech meaningful time in platform/infra engineering.
Built or scaled payout infrastructure processing millions of transactions per day.
Proven ability to influence without authority across internal teams and external bank partners.
Strong product thinking: every architectural decision traced back to customer and business impact.