Financial Operations Analyst

Razorpay Software Pvt Ltd; Bengaluru; On-site; INR 600,000 - 900,000; Full time

Job summary

Razorpay in Bengaluru is seeking an Analyst, Financial Operations to manage settlement, refunds, and reconciliation with banks and merchants. You will work closely with the Finance and Tech teams to resolve tickets, ensure SLA compliance, and generate weekly/monthly reports. The role requires a Bachelor's degree, strong communication, analytical skills, and proficiency in MS Office.

Join Razorpay to help streamline money movement and financial operations in a fast-paced fintech environment.

Qualifications

• Bachelor's degree is required.
• Good communication and writing skills are essential.
• Strong analytical abilities and problem-solving mindset.
• Experience with reconciliation processes is required.
• Basic understanding of AI concepts to explore and apply in processes.

Responsibilities

• Dealing with banks for refunds and settlement issues.
• Need to closely work with the Finance team for recon and other issues.
• Solving tickets/queries raised by merchants, customers' or banks.
• Have good knowledge of products to resolve any customer, merchant or bank issues.
• Review the open tickets assigned on FreshDesk and reply to queries related to the tickets.
• Reconcile transactions and refunds with the partner banks.
• Work with the Tech team for fixing refund and settlement issues.
• Dealing with other teams specially Support / Sales for resolution of queries.
• Handling things which impact inflow and outflow of funds at transaction level.
• Complete tasks considering SLAs and preparation of various reports on weekly and monthly basis.

Skills

Strong communication

Analytical thinking

Reconciliation experience

AI awareness

Education

Bachelor's degree

Tools

MS Office

Job description

Analyst, Financial Operations 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 have 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 is 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.

The Role

You will have to work on issues/queries raised by Merchants, Customers or Banks in relation to Settlement, Refunds, Transactions, Payments etc. You will have to deal with different Banks for quick resolution of issues.

Key Responsibilities

• Dealing with banks for refunds and settlement issues.
• Need to closely work with the Finance team for recon and other issues.
• Solving tickets/queries raised by merchants, customers' or banks.
• Have good knowledge of products to resolve any customer, merchant or bank issues.
• Review the open tickets assigned on FreshDesk and reply to queries related to the tickets.
• Reconcile transactions and refunds with the partner banks.
• Work with the Tech team for fixing refund and settlement issues.
• Dealing with other teams specially Support / Sales for resolution of queries.
• Handling things which impact inflow and outflow of funds at transaction level.
• Complete tasks considering SLAs and preparation of various reports on weekly and monthly basis.

What do we expect from you?

• Bachelor's degree.
• Good communication and writing skills.
• Good analytical skills.
• MS Office knowledge is mandatory
• Reconciliation Experience is must.
• Basic understanding of AI to explore and use in the process

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.

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