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Manager, Banking Solutions

Razorpay - Mumbai, Maharashtra, India - In-office - posted 2026-09-29

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Razorpay is India's leading full-stack fintech company, processing $180+ billion in annualized transactions and powering businesses from early-stage startups to India's largest enterprises. The company is backed by global investors including GIC, Peak XV Partners, Tiger Global, and Ribbit Capital, with operations across India, Singapore, and Malaysia. The Manager, UPI Banking Solutions role owns and drives Razorpay's end-to-end UPI infrastructure, sponsor bank relationships, and payment rail integrations within the Banking Solutions unit. This is a core domain leadership position at the intersection of transaction banking, product architecture, and regulatory execution. Key Responsibilities: - Own and manage end-to-end UPI banking integrations, sponsor bank relationships, and NPCI alignment across the Banking Solutions suite - Drive UPI transaction success rates, system uptime, and latency optimization across all partner bank node architectures and routing switches - Spearhead execution of advanced UPI payment innovations, including Credit Line on UPI, UPI Lite, AutoPay, and international payment flows - Partner with bank technology leadership, regulatory bodies, and internal product teams to design resilient, scalable, and compliant switch architectures - Lead root-cause analysis (RCA) and mitigation frameworks for transaction drops, downtime incidents, and partner bank infrastructure degradation - Leverage AI-driven payment routing tools and predictive analytics to monitor real-time transaction health, detect anomalies, and dynamically optimize traffic distribution Requirements: - 6–10 years of experience in Fintech, Digital Payments, or Transaction Banking, with at least 4+ years of dedicated expertise in UPI payment infrastructure and sponsor bank integrations - Proven track record of managing high-volume payment rails, success rate optimization, and switch performance engineering - In-depth understanding of NPCI UPI specifications, payment switch mechanics, API protocols, and nodal/escrow account operations - Strong partner management, technical negotiation, and cross-functional leadership capabilities across banking and regulatory stakeholders - Proficiency with SQL, log analysis frameworks (Kibana/Grafana), API testing suites (Postman), and payment analytics platforms - Practical capability in utilizing AI-powered transaction routing engines, predictive uptime monitoring platforms, and automated anomaly detection workflows to maintain high-availability payment rails

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