Jobs at PhonePe

Support day-to-day lending operations across onboarding, loan management, collections, sales and customer/merchant escalations. Monitor lending funnel and systems, coordinate cross-functional stakeholders, and manage business and ad-hoc reporting to improve conversion, collections, and operational efficiency.

Lead and execute compliance testing and monitoring: design control checklists and test scripts, coordinate validations with analytics/engineering, perform process walkthroughs, document findings and workpapers, engage senior stakeholders, report control gaps, and drive initiatives to scale compliance testing capabilities.

Ensure adherence to IRDAI and RBI digital lending regulations by tracking, interpreting, and implementing regulatory updates. Conduct compliance risk assessments, review products and communications, support audits and regulatory submissions, maintain compliance trackers and dashboards, advise stakeholders on compliance risks, and support thematic reviews and management committees.

Support technology risk and compliance activities: review policies, prepare architecture and technical documentation, perform BIAs and IT risk assessments, assist implementation of security controls and certification renewals (ISO, PCI DSS), manage exceptions, guide BCP/drills, interpret regulatory IT control requirements, assist internal/external audits and audit remediation.

Design, implement, test, and maintain firmware for PhonePe smart speakers and IoT devices. Collaborate with hardware, software, and product teams, optimize code, integrate wireless protocols, debug device drivers, and document designs and processes.

Design, build and maintain scalable Android applications using modern Android architecture (Kotlin, MVVM). Own system design, implement features, write unit and instrumentation tests, and optionally develop SDKs while ensuring stability, security, and performance for millions of users.

Support payments compliance by reviewing products/features for compliance sign-off, partnering with product teams across lifecycles, mapping controls, managing regulatory change, ensuring timely regulatory filings, audit readiness, GRC tool implementation, maintaining compliance metrics and dashboards, and pursuing automation/AI for process efficiency.

Perform IT risk assessments and controls testing (ITGC, application controls, IPE, interface controls), conduct IT audits (SOX, internal/external), review SDLC/change/access/backup/BCDR processes, perform code/OS/DB/network reviews, prepare risk & control documentation, and coordinate audit engagements with management.

Support payments compliance by reviewing products/features pre-launch, partnering with product teams to remediate risks, mapping controls, managing regulatory change and filings, assisting audits and inspections, implementing GRC tools, maintaining compliance dashboards, and driving automation/AI to improve compliance processes and record-keeping.

Support development and implementation of the privacy program: advise product teams on personal data use, conduct DPIAs and risk assessments, manage consent frameworks, review vendor privacy clauses, assist incident response, handle data subject requests, perform data discovery and inventory, and deliver privacy training.

Build pixel-perfect, performant React Native apps for Android and iOS. Integrate with native Android/iOS APIs, diagnose native bugs and performance issues, maintain code quality, and write automated tests. Design complex app architecture and ensure reliable offline and API interactions.

Manage and build end-to-end lending operations processes including origination, disbursement, repayments and collections. Set up SOPs, reconciliation and compliance controls; drive efficiency and automation; collaborate with cross-functional teams to improve conversion and customer experience; own business and ad-hoc reporting and streamline processes.

Own and drive the growth-focused product roadmap for consumer and merchant products. Define, design, and deliver scalable growth solutions, coordinate cross-functional teams (business, tech, regulatory), analyze large datasets for insights, and ensure reliable product delivery at scale.

Maintain reliability and performance of large-scale fintech infrastructure: Linux/Unix administration, networking, database (MySQL) operations, automation with SaltStack, scripting, private cloud management, on-call incident response, and implementing best-practice IT operations to ensure services remain highly available.

Maintain reliability and performance of large fintech infrastructure through Linux/Unix administration, networking, cloud and private cloud operations, automation with SaltStack, database (MySQL) management, scripting (Perl/Python/Golang), on-call rotation, and implementation of best IT operations practices to ensure always-available services.

Maintain reliability and performance of PhonePe's fintech infrastructure through Linux/Unix administration, networking, database (MySQL) management, automation (SaltStack), scripting (Perl/Python/Golang), private cloud operations, on-call participation, and implementing IT best practices to ensure always-available services.

Lead a team of collection executives and third-party agencies to manage delinquency and recover overdue payments for a cluster. Drive KPIs, develop and execute collection strategies, ensure compliance with SOPs and regulations, monitor portfolio health, and prepare performance reports.

Lead and manage a team of Collection Executives and third-party recovery agencies to drive collections for an assigned cluster. Monitor KPIs, manage delinquency and recovery, develop and execute collections strategies, ensure compliance with SOPs and regulations, and prepare performance reports. Provide coaching, analyze portfolio health, and implement actions to control roll rates and improve resolution.

Lead and manage a team of collection executives and third-party recovery agencies to recover overdue payments for a cluster. Monitor KPIs and delinquency buckets, develop and execute collection strategies, ensure compliance with SOPs/regulations, analyze portfolio health, and prepare performance reports while coaching and driving team performance.

Lead and manage a collections team and third‑party agencies for the Purnia cluster. Drive KPIs, manage delinquency and recovery, develop and execute collection strategies, ensure SOP and regulatory compliance, and report portfolio performance.