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Analyst, Risk Management

IndiaIndia·Bangaloremid
OtherRisk Management
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Quick Summary

Requirements Summary

1–3 years of hands-on experience in UPI chargeback operations, preferably on the acquiring side.

Technical Tools
OtherRisk Management

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.

Responsibilities

~2 min read

Education
Bachelor’s degree in Commerce, Finance, Business Administration, or a related field.

Experience
Analyst: 1–3 years of hands-on experience in UPI chargeback operations, preferably on the acquiring side.

Technical & Domain Skills
Working knowledge of the URGCS portal or willingness to learn it immediately upon joining.
Understanding of the UPI ecosystem — NPCI rules, chargeback reason codes, dispute TATs, and representment guidelines.
Proficiency in MS Excel / Google Sheets for MIS, data reconciliation, and tracker management.
Ability to read and interpret transaction logs, settlement files, and switch reports.
Familiarity with acquiring bank processes and NPCI circulars related to dispute management.

Soft Skills
High attention to detail — accuracy in case data and documentation is non-negotiable.
Strong written communication for drafting representment narratives and merchant correspondence.
Time management — ability to prioritise a high-volume queue and meet strict portal deadlines.
Problem-solving mindset with a proactive approach to dispute resolution.
Ability to collaborate effectively with merchants, banks, and cross-functional internal teams.

Good to Have
Prior experience working on the URGCS - UPI portal.
Exposure to other payment dispute platforms (Visa VROL, Mastercard MATCH, RuPay dispute system).
Knowledge of PCI-DSS, RBI guidelines on payment aggregators, or NPCI operating guidelines.
Experience with ticketing or case management tools (Freshdesk, Jira Service Desk).

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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Location & Eligibility

Where is the job
Bangalore, India
On-site at the office
Who can apply
IN

Listing Details

Posted
June 4, 2026
First seen
June 4, 2026
Last seen
June 4, 2026

Posting Health

Days active
0
Repost count
1
Trust Level
53%
Scored at
June 4, 2026

Signal breakdown

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Analyst, Risk Management