Junior Analyst, Risk Management

Razorpay’s interview process typically starts with a timed online aptitude test, followed by a technical interview that probes your understanding of chargebacks, fraud patterns and analytical thinking. The final HR round assesses cultural fit, communication skills and motivation. Candidates report a moderate difficulty level with a focus on real‑world risk scenarios; thorough preparation on payment industry basics and clear articulation of problem‑solving approaches are key.

Razorpay promotes a high‑ownership culture where employees are encouraged to experiment and learn continuously. The company offers clear growth tracks, flexible work arrangements and a collaborative environment that balances fast‑paced product development with work‑life harmony.

Bachelor's degree in any discipline (Commerce, Engineering, Science, Management etc.) with a minimum of 60% aggregate. No active backlogs at the time of joining. Fresh graduates (2025‑2027 batch) are preferred. Strong communication skills and a customer‑service mindset are essential.

Round 1: Online aptitude test (logical reasoning, quantitative & verbal) → Round 2: Technical/Domain interview focusing on risk management, chargebacks and case studies → Round 3: HR interview covering cultural fit, motivation and career aspirations

Razorpay is one of India’s leading full‑stack financial technology companies, founded in 2014 by Harshil Mathur and Shashank Kumar. Over the past decade the company has built a robust payments stack that powers millions of businesses across India, Singapore and Malaysia. With a portfolio that spans checkout, payroll automation, invoicing, fraud detection and real‑time risk intelligence, Razorpay has become a cornerstone of the digital payments ecosystem. Backed by global investors such as GIC, Tiger Global and Mastercard, the firm processes more than $180 billion in annualized transactions and serves over 100 Indian unicorns, including Airbnb, Zomato and Swiggy. The culture at Razorpay is built around ownership, autonomy and relentless learning. Employees are encouraged to question senior leaders, experiment without fear of failure and grow quickly through merit‑based promotions. The company’s values – Customer First, Agility with Integrity, Transparency and Challenging the Status Quo – create an environment where fresh talent can make a tangible impact from day one. **Role Summary** As a Junior Analyst in Risk Management, you will be the first line of defence against fraudulent activities and chargeback disputes. You will monitor merchant transactions, investigate anomalies, liaise with banks and cyber‑cells, and help design processes that minimise financial loss. This role offers a fast‑track entry into the fintech risk domain, with exposure to cutting‑edge AI‑driven fraud detection tools. **Key Responsibilities** 1. Continuously monitor live transactions and merchant activities to spot suspicious patterns. 2. Investigate and resolve transaction discrepancies, handling customer disputes and chargebacks. 3. Coordinate with partner banks and cyber‑cells to manage arbitration and recovery processes. 4. Communicate with merchants and customers to address queries and build trust. 5. Document and analyse chargeback stages, penalties and Visa/Mastercard reason codes. 6. Provide actionable insights to improve risk‑mitigation workflows and reduce monetary loss. 7. Maintain accurate records of investigations and outcomes in the CRM system (e.g., Freshdesk). 8. Assist senior analysts in building dashboards and reports for real‑time risk intelligence. 9. Identify emerging fraud trends and suggest enhancements to the AI‑based detection engine. 10. Support cross‑functional teams (product, compliance, finance) during audit and compliance reviews. **Tech Stack & Tools**: Freshdesk (CRM), SQL for data extraction, Excel/Google Sheets for reporting, basic Python for scripting, Visa/Mastercard chargeback guidelines, internal fraud‑detection platforms. **Growth Path**: Junior Analyst → Analyst → Senior Analyst → Risk Management Lead → Head of Risk. **Why Join Razorpay**: You will work at the heart of India’s fintech revolution, learn from industry veterans, and enjoy a culture that rewards curiosity and ownership. The role provides early exposure to AI‑driven risk solutions, a clear promotion ladder and the chance to contribute to products used by millions of merchants worldwide.