Junior Analyst, Risk Management at Razorpay (Bengaluru) | Freshers

About Razorpay

Razorpay is one of India's 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, we've since grown into a fintech powerhouse driving India's 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 AI-native agentic payments to AI-assisted fraud detection and real-time risk intelligence, we embed intelligence across our stack to make money movement faster, safer, and more efficient. In close collaboration with ecosystem partners, including banks, networks, and regulators, we are pioneering industry-first solutions 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 that's redefining how money moves across Asia. Today, that ecosystem supports everyone from early-stage startups to some of India's 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 India's 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, Tiger Global, Ribbit Capital, Matrix Partners, MasterCard, and Salesforce Ventures, having raised over $740 million to date. Strategic acquisitions, including Ezetap, Curlec, BillMe, and POP, 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 you're curious, you'll feel at home here. People over 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, and Challenging the status quo, you'll be part of a 3000+ strong team building not just products, but the financial infrastructure of the future.

Roles and Responsibilities

• Monitor transactions and merchants to identify risk or fraud and take necessary action immediately.
• Handle transaction queries in case of discrepancies where disputes arise from the customer.
• Work closely with partner banks and Cybercell to handle chargebacks and customer disputes, ensuring timely recovery to reduce losses.
• Speak to merchants or customers to understand and address queries and concerns.
• Identify innovative ways to reduce risks by providing inputs on enhancing the process and reducing monetary losses.

Skills and Experience

• Bachelor's degree; freshers are welcome.
• Knowledge about a customer support app or CRM, such as Freshdesk.
• Knowledge of stages and levels of chargebacks, penalties involved at the arbitration stage, technical chargebacks, Visa/Mastercard guidelines in brief, and reason codes related to fraud chargebacks.
• Interpersonal skills.
• Friendly and pleasant demeanor over phone and email.
• Exceptional verbal and written communication skills.
• Listening skills to understand, anticipate, and resolve queries arising from various stakeholders.
• Attention to detail and accuracy, with excellent organizational and multitasking skills.
• Ability to identify anomalies or suspicious behaviors.

Razorpay believes in and follows an equal employment opportunity policy that doesn't discriminate on gender, religion, sexual orientation, colour, nationality, age, etc. We welcome interests and applications from all groups and communities across the globe.