Junior Analyst - Risk Management

Round 1: Online aptitude test (logical reasoning, data interpretation, basic quantitative). → Round 2: Technical/Domain interview focusing on payment risk, chargeback processes and case studies. → Round 3: HR interview assessing cultural fit, communication and motivation.

Razorpay promotes a high‑ownership culture where employees are encouraged to experiment and own outcomes. The company offers clear growth pathways, regular learning sessions and a collaborative environment that balances fast‑paced delivery with work‑life harmony. Employees benefit from mentorship, internal mobility and a transparent feedback loop.

Razorpay’s interview process typically starts with a timed online aptitude test, followed by a technical interview that probes your understanding of payment flows, chargeback mechanisms and risk mitigation. The final HR round evaluates cultural fit, communication skills and motivation. Candidates report that the interviews are moderately challenging, with a strong emphasis on logical reasoning and domain knowledge; practicing case studies and staying updated on payment industry guidelines helps greatly.

• Minimum: Bachelor’s degree in any discipline (Engineering, Commerce, Arts or Science). • Fresh graduates (no prior work experience required). • Minimum aggregate of 60% in graduation (or equivalent CGPA). • No active backlogs at the time of joining. • Strong communication skills in English (both written and verbal). • Willingness to work from the Bengaluru office.

Razorpay, founded in 2014, has rapidly evolved from India’s first startup‑focused payment gateway into a fintech unicorn valued at over $8 billion. With a mission to simplify payments for businesses of all sizes, Razorpay now offers an end‑to‑end platform that spans checkout, payouts, invoicing, payroll, and a suite of AI‑driven risk and fraud solutions. Operating across India, Singapore and Malaysia, the company processes more than $180 billion in annualized transactions and powers over 100 Indian unicorns, including Airbnb, Zomato and Swiggy. Its culture is built on ownership, transparency and relentless curiosity, encouraging every employee to question the status quo and innovate without micromanagement. The Junior Analyst – Risk Management role is an entry‑level position designed for fresh graduates who are eager to dive into the world of fintech risk. You will work closely with the Risk Operations team, partner banks and the Cybercell to monitor transaction streams, investigate suspicious activities, and ensure swift resolution of disputes. This role offers a fast‑track learning curve, exposing you to real‑time fraud detection, chargeback handling, and the regulatory landscape governing digital payments. Key Responsibilities: 1. Continuously monitor live transaction feeds and merchant activities to spot potential fraud or risk indicators. 2. Investigate and resolve transaction discrepancies, handling customer disputes and chargebacks with precision. 3. Liaise with partner banks, card networks and the Cybercell to manage chargeback lifecycles and secure timely recoveries. 4. Communicate directly with merchants and customers via phone and email to address queries, explain decisions and build trust. 5. Analyse patterns of fraudulent behavior and suggest process improvements to reduce monetary losses. 6. Maintain detailed logs of investigations, actions taken and outcomes in the CRM system. 7. Stay updated on Visa/Mastercard chargeback guidelines, reason codes and arbitration penalties. 8. Contribute to the development of risk‑mitigation frameworks and automation scripts where applicable. 9. Participate in cross‑functional meetings with product, engineering and compliance to align risk strategies. 10. Uphold Razorpay’s high standards of data accuracy, confidentiality and regulatory compliance. Tech Stack & Tools: The role primarily uses Razorpay’s internal risk monitoring dashboard, Freshdesk (or similar CRM), SQL for basic data pulls, and Excel for reporting. Familiarity with payment industry terminology, chargeback stages and basic analytics is beneficial. Growth Path: Starting as a Junior Analyst, high performers can progress to Senior Analyst, Risk Operations Lead, and eventually into specialized roles such as Fraud Detection Engineer or Risk Product Manager. The exposure to end‑to‑end payment flows and regulatory frameworks equips analysts with skills that are highly valued across the fintech ecosystem. Why Join Razorpay? You will be part of a 2,500‑plus strong team that prizes autonomy and learning. The company invests heavily in employee development, offers mentorship from industry veterans, and provides a vibrant environment where ideas are turned into products that impact millions of users daily. If you are analytical, detail‑oriented and thrive in a fast‑paced, data‑driven setting, Razorpay offers the perfect launchpad for a rewarding career in fintech risk management.