Junior Associate, Risk & Chargebacks

Responsibilities

• Bank/Gateway Portal Operations
• Log in to and navigate the respective portal daily to monitor, pick up, and action chargeback cases across all dispute types.
• Submit chargeback representments, pre-arbitration responses, and arbitration filings within gateway-mandated timelines.
• Track case statuses end-to-end and ensure no case breaches the response deadline.
• Download and organise portal reports; maintain a daily tracker for open, pending, and closed cases.
• Chargeback Types Handled
• Fraudulent / Unauthorised Transactions - validate and compile fraud dispute evidence packets.
• Technical Disputes (duplicate charges, incorrect amounts, processing errors) - gather transaction logs and switch-level confirmations.
• Merchant Disputes (non-delivery, service/quality issues) - coordinate with merchant for proof of fulfilment.
• Consumer Disputes - verify refund status, settlement records, and communicate resolution to the issuer.
• Pre-arbitration & Arbitration - prepare case files and coordinate with the acquiring bank and gateway.
• Evidence & Documentation
• Collect, review, and compile evidence (transaction receipts, screenshots, settlement data, merchant responses) to build strong representment cases.
• Ensure all supporting documents meet card network format and content guidelines before portal submission.
• Maintain a structured repository of case files for audit readiness.
• Merchant & Stakeholder Coordination
• Reach out to merchants

Benefits

Additional Information

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 & 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. Role Summary We are looking for a detail-oriented Analyst / Jr. Analyst to join our SG & US- Chargeback Operations team. In this role you will own the end-to-end lifecycle of chargeback cases - from initiation through resolution - by working directly on the bank / gateway portal. You will collaborate cross-functionally with banks and internal teams to protect Razorpay's acquiring interests while delivering fair and timely outcomes.

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