Razorpay Software Private Limited
FinTech
JuniorAnalyst,RiskManagement
Neural analysis suggests this role is
optimal for Junior candidates.
“Junior Analyst, Risk Management at Razorpay Software Private Limited. Skills: UPI chargeback operations, URGCS portal, Dispute resolution. Maintain a daily tracker for open, pending, and. Validate and compile fraud dispute evidence packets”
What You'll Achieve.
Meet strict portal deadlines
Industry & Context.
Problem-solving mindset
What They're Looking For.
Must Have
Bachelor's degree in Commerce, Finance, Business Administration, or related field, 1–3 years of hands-on experience in UPI chargeback operations, Working knowledge of the URGCS portal, Understanding of the UPI ecosystem, Proficiency in MS Excel / Google Sheets, Ability to read and interpret transaction logs, settlement files, and switch reports, Familiarity with acquiring bank processes and NPCI circulars
Nice to Have
Prior experience working on the URGCS - UPI portal, Exposure to other payment dispute platforms, Knowledge of PCI-DSS, RBI guidelines on payment aggregators, or NPCI operating guidelines, Experience with ticketing or case management tools
What You'll Do.
Maintain a daily tracker for open
Validate and compile fraud dispute evidence packets
Gather transaction logs and switch-level confirmations
Coordinate with merchant for proof of fulfilment
Communicate resolution to the issuer
Coordinate with acquiring bank and NPCI
Build representment cases
Ensure all supporting documents meet NPCI guidelines
Maintain a structured repository of case files
Reach out to merchants proactively to obtain dispute
Liaise with acquiring bank’s chargeback desk
Update merchants and internal stakeholders on case progress
and monthly MIS reports
Identify trends in dispute reasons
Flag recurring issues to the team lead
Contribute data for monthly business reviews
Follow all NPCI chargeback operating procedures
Follow Razorpay internal SOPs
Flag process gaps or portal issues
Propose solutions to improve efficiency
Support UAT and onboarding activities
How You'll Work.
Team & Collaboration
Merchants; Acquiring bank; Internal stakeholders; Cross-functional internal teams
Communication Scope
Written communication
Full Job Description
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 building AI-native agentic payments, to AI-assisted fraud detection and real-time risk intelligence to automated reconciliation, smart payouts, and predictive financial insights, we are embedding intelligence across our stack to make money movement faster, safer, and more efficient. In close collaboration with ecosystem partners - including banks, networks, regulators - we are pioneering industry-first solutions that are shaping the next era of fintech Across India, Singapore and Malaysia, our products span everything from seamless checkouts to payroll automation - powering a fintech ecosystem that’s redefining how money moves across Asia. 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 maintain a daily tracker for open, pending, and closed cases. 2. Chargeback Types Handl
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