Analyst, Banking Operations

Razorpay’s interview process typically starts with an online aptitude test, followed by a technical round focusing on banking operations, ticket handling scenarios, and communication skills. The final HR round assesses cultural fit and motivation. Candidates report a moderate difficulty level, with emphasis on real‑world problem solving and clear articulation.

Razorpay promotes a high‑energy, ownership‑driven culture where employees are trusted to make decisions and experiment. The company offers strong growth opportunities, regular learning sessions, and a balanced work‑life environment despite the fast‑paced nature of fintech.

Bachelor’s degree in any discipline (Engineering, Commerce, Arts, Science). Minimum aggregate of 60% (or CGPA 6.0/10). No active backlogs at the time of joining. Open to candidates from the 2022‑2025 batches. Preference for candidates with 1‑5 years of experience in fintech, banking, or related customer support roles.

Round 1: Online assessment (aptitude and logical reasoning) → Round 2: Technical/Functional interview (ticket handling, banking operations, scenario based questions) → Round 3: HR interview (culture fit, motivations, salary expectations)

Razorpay is one of India’s leading full‑stack financial technology companies, founded in 2014 with a mission to simplify payments for Indian businesses. Over the past decade the company has grown into a fintech powerhouse, processing more than $180 billion in annualized transactions and serving a diverse portfolio that includes startups, unicorns, and large enterprises such as Airbnb, Facebook, Zomato, and Indian Oil. Backed by global investors like GIC, Tiger Global and Mastercard, Razorpay has expanded its footprint across India, Singapore and Malaysia, offering products that span checkout solutions, payroll automation, AI‑driven fraud detection, and real‑time risk intelligence. The culture at Razorpay is built around ownership, autonomy and relentless learning. Employees are encouraged to question senior leaders, experiment without fear of micromanagement, and grow through fast‑paced, high‑impact projects. The company’s values—Customer First, Agility with Integrity, Transparency, and Challenging the Status Quo—drive a collaborative environment where merit and hustle matter more than pedigree. **Role Summary** As an Analyst in Banking Operations, you will be the frontline liaison between Razorpay and its merchant partners. You will resolve tickets, answer queries via Freshdesk and phone, and ensure that merchants receive timely, accurate support. The role demands quick turnaround, strong communication, and the ability to translate merchant needs into actionable feedback for product and compliance teams. **Key Responsibilities** 1. Resolve merchant tickets on Freshdesk and through direct calls, maintaining high SLA compliance. 2. Categorise tickets accurately and ensure proper escalation where required. 3. Identify merchant pain points, provide solutions, and follow up to guarantee satisfaction. 4. Collect and relay feedback to product, risk and compliance stakeholders for continuous improvement. 5. Monitor transaction flows for anomalies and ensure adherence to regulatory standards. 6. Handle both chat and voice interactions with professionalism and empathy. 7. Maintain detailed documentation of interactions and resolutions. 8. Collaborate with cross‑functional teams to drive process enhancements. 9. Participate in training sessions to stay updated on new features and compliance updates. 10. Contribute ideas that improve merchant experience and operational efficiency. **Tech Stack & Tools** The role primarily uses Freshdesk for ticket management, internal CRM tools, and basic data analysis using Excel or Google Sheets. Familiarity with banking APIs, UPI, and payment gateways is advantageous. **Growth Path** Analysts can progress to Senior Analyst, Operations Manager, or specialize into Risk & Compliance, Product Operations, or Merchant Success leadership roles. Razorpay’s merit‑based promotion system rewards high performers with accelerated career tracks. **Why Join Razorpay** You will work with cutting‑edge fintech products, interact with some of India’s most innovative businesses, and develop a deep understanding of payments ecosystems. The fast‑moving environment offers ample learning opportunities, mentorship from industry veterans, and a clear path to leadership for those who demonstrate ownership and impact.