Analyst, Risk Management

razorpaysoftwareprivatelimited; Bengaluru; Presencial; INR 800.000 - 1.400.000; Jornada completa

Descripción de la vacante

Razorpay is seeking an Analyst - Risk Management to establish and nurture relationships with channel partners and promote our products through strategic partnerships. You will drive onboarding of new partners and manage risk from merchant acceptance to ongoing monitoring.

The role requires strong knowledge of Sanctions, AML and Financial Crimes, with a focus on Customer Due Diligence (CDD), website assessment and transaction monitoring to validate the business model and compliance.

Formación

• Knowledge of AML, sanctions and financial crimes.
• Experience with Customer Due Diligence (CDD) and merchant onboarding risk.
• Experience with transaction monitoring and risk validation of business models.

Responsabilidades

• Conduct onboarding and ongoing customer due diligence.
• Conduct and perform quality control relative to investigations including suspicious activity, sanctions and EDD.
• Manage daily escalation queues, handling complex or exception cases from business and operations teams.
• Participate in process improvement, identifying and implementing best practices in effective and innovative ways.
• Serve as a Subject Matter Expert with knowledge about AML policies, fraud control, risk categorization, monitoring, evaluation, and reporting.
• Demonstrate knowledge of reporting procedures and record-keeping guidelines.
• Communicate clearly and precisely to stakeholders.

Conocimientos

AML & Sanctions knowledge

CDD & risk onboarding

Herramientas

Freshdesk

Descripción del empleo

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 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 efficient. In 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 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 (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 you're curious, you'll 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, you'll be part of a 3000+ strong team building not just products, but the financial infrastructure of the future.

Job Title - Analyst - Risk Management

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 role requires strong knowledge and experience in Sanctions, AML (Anti-Money Laundering), and Financial Crimes. The position will focus on Customer Due Diligence (CDD), website assessment, risk assessment associated with merchant onboarding, and Transaction Monitoring, covering all aspects of business model validation and compliance.

Roles and Responsibilities

• Conduct onboarding and ongoing customer due diligence.


• Conduct and perform quality control relative to a variety of investigation types, including suspicious activity, sanctions, and enhanced due diligence (EDD).


• Manage daily escalation queues, handling complex or exception cases from business and operations teams.


• Participate in process improvement, identifying and implementing best practices in effective and innovative ways.


• Serve as a Subject Matter Expert (SME) with comprehensive knowledge about AML policies, fraud control, risk categorization policies, monitoring, evaluation, review, and associated reporting.


• Demonstrate excellent knowledge of reporting procedures and record-keeping guidelines.


• Maintain the ability to communicate clearly and precisely to the point with stakeholders.

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