Senior Financial Operations Analyst

Senior Analyst, Financial Operations

Razorpay is one of India’s leading full-stack financial technology companies, powering the way businesses move, manage, and grow money. Founded in 2014 by Harshil Mathur and Shashank Kumar with a simple vision — to simplify payments for Indian businesses — we’ve since grown into a fintech powerhouse driving India’s digital payment revolution.

Razorpay powers millions of businesses with a smarter, scalable stack that goes beyond transactions to help them truly build and grow.

From seamless checkouts to payroll automation, across India, Singapore, and Malaysia, we’ve been engineering a fintech ecosystem that’s redefining how money moves across Asia — and we’re just getting started.

Today, that ecosystem supports everyone from early-stage startups to some of India’s largest enterprises, enabling them to accept, process, and disburse payments at scale while expanding into new ways of managing money more efficiently.

Our scale speaks volumes: Razorpay processes $180+ billion in annualized transactions, powering leading businesses like Airbnb, Facebook, WhatsApp, Airtel, CRED, BookmyShow, Zomato, Swiggy, Lenskart, Mirae Asset Capital markets, Indian Oil, National Pension Scheme — and over 100 of India’s unicorns. With strong roots in India and growing operations in Southeast Asia, we are shaping the next chapter of financial technology across the region.

We are backed by global investors including GIC, Peak XV Partners (formerly Sequoia Capital India & SEA), Tiger Global, Ribbit Capital, Matrix Partners, MasterCard, and Salesforce Ventures, having raised over $740 million to date. Strategic acquisitions — including Ezetap (POS and offline payments), Curlec (Malaysia expansion), BillMe (digital invoicing), and POP (rewards-first UPI) — along with earlier moves in fraud prevention, payroll, and lending, have further strengthened our platform and widened our footprint across Asia.

But what truly sets Razorpay apart is our culture. At Razorpay, ownership is our oxygen — you own what you build, with no micromanagement or red tape, just the runway to make your ideas fly. Learning is a lifestyle — if you’re curious, you’ll feel at home here. People > Pedigree — we hire for attitude, hustle, and hunger more than degrees. Transparency thrives over titles — this is where interns question CXOs and CXOs say “thank you.” Guided by our values of Customer First, Autonomy & Ownership, Agility with Integrity, Transparency, Challenging the status quo and a strong belief that Razorpay grows with Razors,  you’ll be part of a 3000+ strong team building not just products, but the financial infrastructure of the future.

Experience: 2–3 Years

Role Objective

At Razorpay, we handle millions of transactions daily across multiple bank partners. We are looking for an Automation Specialist who is part Software Engineer, part Data Analyst, and part Compliance Guardian. You will build the agents that reconcile our books and the dashboards that prove our compliance to regulators.

Key Responsibilities

• AI-Agentic Recon: Design and scale AI agents to handle txn-level recon across 10+ bank statement formats (API/PDF/CSV).
• RBI & Regulatory Reporting: Automate the extraction, validation, and formatting of data for RBI filings (e.g., daily settlement reports, monthly PA/PG compliance, and nodal account audits).
• Analytical Deep-Dives: Fetch and analyze massive datasets (using SQL/Python) to identify patterns in Short/Excess funds and pinpoint root causes (bank delays vs. internal logic).
• Variance & Trend Analysis: Build real-time dashboards to track "Unit Economics" (cost per txn) and "Exception Trends" to alert the FinOps team before a small error becomes a book closure crisis.
• Audit-Ready Workpapers: Ensure every automated action creates a digital audit trail, making "Book Closure" a push-button process.
• Compliance Monitoring: Create "Watchdog Agents" that monitor Nodal/Escrow account balances in real-time to ensure we never breach RBI-mandated settlement timelines.

Required Skills & Qualifications

• Programming & Data: High proficiency in Python (Pandas/Polars) and Advanced SQL (Window functions, CTEs) for fetching and cleaning data from large warehouses.
• AI/ML Expertise: Experience with LLMs (Gemini/OpenAI) for document parsing and Fuzzy Matching for messy bank narrations.
• Analytical Visualization: Experience with Tableau, PowerBI, or Looker to build compliance and variance dashboards.
• Compliance Mindset: Understanding of Indian fintech regulations (RBI PA/PG, PPI guidelines) is highly preferred.
• Data Integrity: A "zero-error" approach to data—knowing how to build validation checks so that automated reports are always 100% accurate.

Razorpay believes in and follows an equal employment opportunity policy that doesn't discriminate on gender, religion, sexual orientation, colour, nationality, age, etc. We welcome interests and applications from all groups and communities across the globe.
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Experience Level

Senior Level