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

Razorpay; Bengaluru; On-site; INR 350,000 - 520,000; Full time

Job summary

Razorpay in Bengaluru is hiring a customer support associate to monitor transactions, resolve chargeback queries, and collaborate with banks to minimize losses. Freshdesk experience and strong communication skills are required, with freshers welcome.

The role emphasizes attention to detail, listening, and the ability to address diverse stakeholder queries while helping build a safer payments ecosystem for Razorpay's growing base of merchants.

Qualifications

• Bachelor's degree required; freshers are welcome.
• Familiarity with customer support apps (e.g., Freshdesk).
• Knowledge of chargebacks, fraud-related guidelines, and dispute handling.
• Strong interpersonal and communication skills, both written and verbal.
• Ability to listen, understand queries, and resolve issues accurately.

Responsibilities

• Monitor transactions and merchants to identify risk or fraud and take action.
• Handle transaction queries arising from discrepancies and disputes.
• Collaborate with partner banks and Cybercell to manage chargebacks and recoveries.
• Speak with merchants or customers to understand and address queries.
• Identify ways to reduce risk and losses by improving processes.

Skills

Freshdesk

Interpersonal skills

Excellent verbal & written comms

Listening skills

Attention to detail

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 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.

Razorpay is a leading Indian fintech startup specializing in providing payment solutions for businesses of all sizes. Founded in 2014, the company offers a comprehensive suite of products including payment gateway services, payment links, subscription billing, and business banking solutions through RazorpayX. Its mission is to simplify money movement for businesses by enabling seamless online payments and empowering entrepreneurs with innovative financial tools.

Headquartered in Bengaluru, Razorpay has grown rapidly to become one of India’s most prominent digital payment platforms, serving millions of merchants and startups. With over 2,000 employees, it has earned a strong reputation for reliability, ease of integration, and customer‑centric innovation. In recent years, Razorpay has achieved unicorn status, expanded into new financial services, and acquired several startups to strengthen its product portfolio. It has also been recognized for its role in accelerating India’s digital economy and supporting SMEs during the COVID‑19 pandemic.