Razorpay is hiring for Junior Analyst

Job Details

1. Company: Razorpay
2. Job Position: Junior Analyst – Risk Management
3. Location: Bengaluru, Karnataka, India
4. Job Type: Full-time (the listing does not explicitly specify employment type).
5. Work Mode: On-site; candidates must be willing to work from the Bengaluru office.
6. Qualification: Bachelor’s degree in any relevant discipline.
7. Experience: Freshers can apply.
8. Salary: Estimated ₹3–5 LPA per year. This is an indicative estimate for a fresher-level risk operations role in Bengaluru, not a salary officially confirmed by Razorpay.
9. Job Category: Risk Management, Fraud Prevention, Payments Operations.
10. Application Deadline: Not specified in the provided job listing.

Job Overview

Razorpay is hiring a Junior Analyst for its Risk Management team in Bengaluru. The role focuses on monitoring transactions and merchants to identify suspicious activities, prevent fraud, and reduce financial losses. The selected candidate will handle customer disputes, chargebacks, and transaction-related queries while coordinating with partner banks, customers, merchants, and cybercrime teams. This opportunity is suitable for fresh graduates with good communication skills, attention to detail, and an interest in digital payments, fraud prevention, and financial technology.

Key Responsibilities

1. Monitor transactions and merchant activities to identify potential fraud and financial risks.
2. Take immediate action when suspicious transactions or risky merchant behaviour is detected.
3. Investigate transaction discrepancies and customer disputes.
4. Handle chargebacks and support the resolution of payment-related issues.
5. Coordinate with partner banks to manage disputes and recover lost funds.
6. Work with cybercrime investigation teams to address fraud-related cases.
7. Communicate with merchants and customers to understand their concerns.
8. Respond to customer and merchant queries through phone and email.
9. Follow payment network guidelines while handling chargebacks and disputes.
10. Identify unusual transaction patterns and suspicious activities.
11. Maintain accurate records of disputes, transactions, and investigations.
12. Suggest improvements to risk management processes.
13. Help reduce financial losses through effective fraud detection and prevention.
14. Ensure customer concerns are resolved accurately and within appropriate timelines.
15. Collaborate with internal teams to improve payment security and operational efficiency.

Eligibility Criteria

1. A bachelor’s degree is required.
2. Freshers are eligible to apply.
3. Applicants should have an interest in risk management, fraud detection, and digital payments.
4. Basic knowledge of customer support tools or CRM platforms, such as Freshdesk, is beneficial.
5. Candidates should understand the basics of chargebacks and payment disputes.
6. Familiarity with Visa and Mastercard guidelines is an advantage.
7. Applicants should be willing to work from the Bengaluru office.
8. Candidates must have good verbal and written communication skills.

Required Skills

1. Basic understanding of transaction monitoring and fraud prevention.
2. Knowledge of chargeback stages and dispute resolution.
3. Familiarity with Visa and Mastercard payment guidelines.
4. Understanding of fraud-related chargeback reason codes.
5. Basic knowledge of technical chargebacks and arbitration penalties.
6. Customer support and CRM tool knowledge.
7. Strong verbal and written communication skills.
8. Good listening and problem-solving abilities.
9. Attention to detail and accuracy.
10. Ability to identify suspicious patterns and anomalies.
11. Effective time management and organisational skills.
12. Ability to handle multiple tasks simultaneously.
13. Professional and friendly communication over phone and email.
14. Coordination skills for working with banks, merchants, and internal teams.
15. Willingness to learn payment risk processes and fraud prevention techniques.

Why Join Razorpay?

1. Work with a leading Indian fintech company in the digital payments industry.
2. Gain practical experience in fraud detection and risk management.
3. Learn how payment gateways and digital transactions operate.
4. Develop skills in chargeback handling and dispute resolution.
5. Work with partner banks, merchants, and payment ecosystem stakeholders.
6. Build a foundation for a career in risk operations, fraud prevention, or compliance.
7. Work in a culture that values ownership, learning, transparency, and innovation.
8. Explore opportunities to develop your skills in financial technology.

Important Links

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