Analyst, Risk Management

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:

The role will involve establishing and nurturing relationships with channel partners to promote and sell our products or services. You will play a critical role in expanding our business through strategic partnerships and ensuring the successful onboarding of new partners.

Job Summary

This is a permanent role that requires strong knowledge & experience working in the merchant acquiring side of the payments business. The role will focus on the KYC due diligence website assessment and risk assessment associated with the merchant onboarding and monitoring covering all aspects of business model validation.

Roles and Responsibilities

• Merchant due diligence Onboarding KYC Validations Transaction monitoring. Monitor online transactions of merchants identify patterns and report any fraudulent activity.
• Conduct thorough investigations on suspicious activities take an informed decision and propose suitable recommendations to process/ product level changes where necessary.
• Have in-depth knowledge of the core products including merchant onboarding.
• Work closely with multiple teams such as the sales Customer success merchant activations and product teams to pass relevant feedback and mitigate risk
• An understanding of chargebacks is an added advantage.
• Maintain transparent and clear communication with the merchants via CRM and calls as necessary.
• Manage daily escalation queues handling complex or exception cases from business and operations teams.
• Provide a detailed report of the review conducted on merchants and critical gaps identified during the review along with the status

Qualifications Required

• Experience/Knowledge:
• Knowledge about a customer support application or CRM such as Freshdesk.
• Familiarity with Stages/levels of chargebacks penalty involved at the arbitration stage technical chargebacks Visa/Mastercard guidelines (in brief) and reason codes in relation to fraud chargebacks.
• Core Skills:
• Communication Skills: Exceptional verbal and written communication.
• Listening Skills: Ability to understand anticipate and resolve queries arising from various stakeholders.
• Attention to Detail and Accuracy: Excellent organisational and multitasking skills with the ability to identify anomalies or suspicious behaviours.
• Interpersonal Skills: Friendly and pleasant demeanor over the phone and email.
• Education:
• Bachelors Degree.

Location: Bangalore