Consultant

PayU; Gurugram District; On-site; INR 420,000 - 620,000; Full time

Job summary

PayU in Gurgaon is seeking a Consultant for a 12-month assignment to monitor merchant activity on our payments platform. You will review alerts, analyze transaction data, and escalate high-risk cases with clear summaries. This role offers hands-on risk exposure, mentorship, and a path to growth in fintech risk management.

Suitable for individuals early in their fraud/risk career with strong Excel skills. Join a collaborative Risk Operations team focused on safeguarding the financial ecosystem

Qualifications

• 0–2 years of experience in risk, fraud, banking operations, or related analytical role.
• Strong attention to detail and data-driven approach.
• Proficiency in Excel (filters, pivot tables, basic formulas).
• Excellent written communication for case notes and reports.
• Structured, organized with ability to manage multiple tasks.

Responsibilities

• Monitor merchant accounts daily, reviewing transactions and behavior for risk or policy violations.
• Review and action alerts from risk systems; prioritize by severity.
• Investigate flagged merchants by analyzing data and business details.
• Escalate high-risk cases to senior analysts with a clear summary.
• Track chargeback and dispute trends; highlight recurring issues.
• Maintain up-to-date case notes and documentation for reviews.
• Produce reports on merchant portfolio health; share observations with the team.
• Support senior members on ad hoc risk projects as needed.

Skills

Data analysis

Excel

Written communication

Attention to detail

Multi-tasking

Tools

Excel

Job description

Job Description:

Consultant (12 Months) - Gurgaon

About the Team:

The Risk Operations team is a critical function within PayUs Risk Organization, dedicated to safeguarding the companys financial ecosystem through advanced risk management and fraud prevention strategies. Based in Gurgaon, our teamoperatesat the forefront of fintech risk management,utilizingcutting-edgetechnologies and data-driven approaches to protect merchants and customers while ensuring business continuity. We foster a collaborative environment where cross-functional teams work together toidentify, analyze, and mitigate potential risks across all payment channels and merchant segments.

About the Role:

Were looking for a detail-oriented and eager-to-learn individual to join our Risk team as a Consultant for a 12 Months’ of Assignment. In this role, youll be responsible for monitoring merchant behavior across our payments platform — identifying anything that looks suspicious, unusual, or outside of policy, and making sure it gets the right attention. This is a great entry point into the world of payments risk, with strong mentorship and a clear path to grow.

Responsibilities:

• Monitor merchant accounts on a daily basis, reviewing transaction volumes, patterns, and behavior for any signs of risk or policy violations.
• Review and action alerts generated by our risk monitoring systems; prioritizing cases based on severity.
• Investigate flagged merchants by analyzing transaction data, reviewing business details, and checking for red flags such as unusual spikes, high chargebacks, or suspicious activity.
• Escalate complex or high-risk cases to senior analysts with a well-documented summary of findings.
• Track and record chargeback and dispute trends, highlighting merchants that show consistent issues.
• Maintain accurate and up-to-date case notes and documentation for every review conducted.
• Produce regular reports on merchant portfolio health and share key observations with the team.
• Support senior team members on ad hoc risk projects and merchant reviews as needed.

Requirements:

• 0–2 years of experience in risk, fraud, banking operations, or a related analytical role.
• Strong attention to detail — you catch things others might miss.
• Comfort working with data and drawing basic conclusions from it.
• Proficiency in Excel (filtering, pivot tables, basic formulas).
• Good written communication skills — your case notes and reports need to be clear and concise.
• A structured, organized approach to managing multiple tasks at once.