Associate Manager, Banking Solutions

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 seamless checkouts to payroll automation across India Singapore and Malaysia weve been engineering a fintech ecosystem thats redefining how money moves across Asia - and were just getting started.

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

We are looking for a high-impact individual to drivebanking partnerships and solutioning for cross-border payments at Razorpay. This role sits at the intersection of banking fintech infrastructure compliance and product enabling global payment capabilities for Indian businesses. You will work closely with banks IBUs regulators and internal teams to design and scale cross-border payment solutions across collections payouts FX and settlement flows.

Key Responsibilities

Banking Partnerships & Relationship Management

• Build and manage relationships with banks (AD banks and global banks) and financial institutions.
• Act as the single point of contact for cross-border banking partners Drive partner onboarding commercial alignment and ongoing engagement

Cross-Border Solutioning

• Design and enable end-to-end cross-border payment flows (collections payouts PA-CB FX settlement)
• Work with banks to structure compliant payment flows aligned with RBI/IFSCA guidelines.
• Solve for merchant-specific use cases (SaaS marketplaces exporters brokers).

Product & GTM Collaboration

• Collaborate with product compliance and tech teams to:
• Launch new cross-border capabilities.
• Improve success rates cost efficiency and settlement timelines
• Support GTM teams with banking insights and solution design for enterprise merchants

Regulatory & Compliance Alignment

• Work closely with banks and internal teams on:
• LRS / FEMA / AML frameworks
• Documentation reporting and compliance requirements
• Engage with regulators (RBI/IFSCA) where required for new use cases.

Partner Performance & Optimization

• Track partner performance across the following: TAT (settlement timelines) success rates cost structures identify optimization opportunities across: pricing FX settlement cycles

Strategic Initiatives

• Drive new initiatives such as the following:
• GIFT City / IBU integrations
• PSP partnerships
• Alternative payment rails
• Support expansion into new geographies and corridors

What Youll Work On (Example Use Cases)

• India Global collections for SaaS / exporters
• Import payments (PA-CB flows)
• GIFT City / IFSCA-based settlement flows
• FX optimization / guaranteed FX solutions
• Marketplace and broker-dealer payment flows

Mandatory Qualification

• 25 years of experience in Cross-border fintech (Xflow Skydo BriskPe Cashfree Payoneer etc.) OR banking / relationship management (AD banks FX trade remittance)
• Strong understanding of cross-border PA/CB guidelines card flows network infra global payment infra ACH APM etc. and banking rails (SWIFT Nostro/Vostro LRS trade flows).
• Experience working with banks or fintech partners
• Ability to translate business use cases into banking/payment flows Strong stakeholder management & communication skills
• Exposure to: GIFT City / IFSCA ecosystem FX / treasury / trade finance Payment aggregators / PSP models
• Existing relationships with banks or fintech ecosystem

Why This Role is Critical

• Core to building Razorpays cross-border strategy
• Direct impact on merchant experience costs and expansion
• Opportunity to work acrossregulation banking and product innovation

Ideal Candidate Profile

• Structured thinker strong execution ability
• Understanding of basic AI tools is a must.
• Comfortable navigating ambiguity and regulatory environments
• Strong ownership mindset
• Ability to operate acrossbusiness product and compliance