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Razorpay, India's leading full-stack fintech company, is seeking a Risk Management Analyst to join its merchant risk and fraud prevention team in Bengaluru. The role focuses on protecting the platform and its merchant ecosystem through comprehensive risk assessment, transaction monitoring, and fraud detection.
You will be responsible for performing merchant due diligence and KYC validation during onboarding, assessing merchant websites and business profiles to identify risk factors. A core responsibility involves continuous transaction monitoring—analyzing merchant activity patterns, identifying anomalies, and detecting potential fraud or policy violations using data analysis and Excel-based reporting.
The role requires conducting detailed investigations into suspicious merchant activities, recommending appropriate risk mitigation actions, and handling merchant escalations from business and operations teams. You'll maintain clear communication with merchants through emails and calls, explaining risk decisions and remediation steps.
You'll leverage transaction trends, behavioral analysis, and risk indicators to assess ongoing merchant health. Knowledge of chargebacks, Visa/Mastercard scheme guidelines, and fraud-related reason codes is valuable. The position sits at the intersection of compliance, fraud prevention, and customer operations—critical to Razorpay's mission of enabling safe, scalable payment infrastructure across Asia.
Razorpay processes $180+ billion in annualized transactions and powers leading businesses including Airbnb, Zomato, Swiggy, and over 100 Indian unicorns. The company is backed by top-tier investors including GIC, Peak XV Partners, and Tiger Global.
