Junior Analyst, Risk Management

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

Job summary

Razorpay is seeking a Fraud & Risk Analyst to monitor transactions and merchants, identify fraud patterns, and coordinate with partner banks to resolve chargebacks and disputes.

You will handle customer queries, communicate clearly, and contribute to process improvements to minimize losses while ensuring compliance with card network guidelines.

Qualifications

• Bachelor's degree required; freshers welcome.
• Familiarity with customer support apps or CRMs (e.g., Freshdesk).
• Knowledge of chargebacks stages and arbitration penalties; Visa/Mastercard guidelines.
• Strong interpersonal and communication skills.

Responsibilities

• Monitor transactions/merchants to identify risk/fraud and take action.
• Handle transaction queries in case of discrepancies.
• Coordinate with partner banks and Cybercell to manage chargebacks and recoveries.
• Speak to merchants or customers to address queries.
• Suggest process improvements to reduce risks and losses.

Skills

Customer support

CRM knowledge

Chargebacks

Payment guidelines

Interpersonal skills

Communication

Education

Bachelor's degree

Tools

Freshdesk

Job description

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.

About Razorpay

In 2014, what started as India’s first payment gateway built for startups is now one of India’s youngest FinTech unicorns with a $8 billion valuation and the single best destination for all things payments and business banking. Razorpay offers an integrated platform for all things payments and business banking, helping millions of small and large businesses simplify and accelerate every aspect of their financial journey.

Today, Razorpay is a 2500-fun bunch of spirited, analytical, and ambitious folks building first-of-its-kind technologies for the fintech ecosystem. We are a bunch of hungry mavericks here to empower 8 million businesses in their digital transformation and enhance the payment experience of over 500 million end consumers in the next twelve months.

And we are just getting started. Come and join this club of thinkers, innovators, dreamers, and challengers.

Roles and Responsibilities

Monitor transactions/ merchants to identify risk/fraud and take necessary action immediately.

Handle transaction queries in case of discrepancies where disputes arise from the customer.

Work closely with the partner banks and Cybercell to handle chargebacks/customer disputes and ensure timely recovery to reduce losses.

Speak to merchants or customers to understand and address queries/concerns.

Identify innovative ways to reduce risks by providing inputs on enhancing the process and reduce monetary losses.

Skills and Experience

Bachelor's Degree.Freshers, knowledge about a customer support app or CRM , such as freshdeskKnowledge of Stages/levels of chargebacks, penalty involved at the arbitration stage, technical chargebacks, Visa/Mastercard guidelines in brief, reason code in relation to fraud chargebacks.Interpersonal skills

Friendly and pleasant demeanor over phone and email Communication skills

Exceptional verbal and written communication Listening skills - Understand, anticipate and resolve queries arising from various stakeholders Attention to detail and accuracy - Excellent orgaizational skills and multitasking skills. Identify anomalies or suspicious behaviours.

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.