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.
The Role - Every rupee that moves through RazorpayX touches a bank integration you will own, architect, and make faster — owning end-to-end reliability and performance of payment rails. You will sit at the intersection of RazorpayX platform engineering and partner bank systems — accountable for the reliability, performance, and architecture of every payment corridor. This is a hands-on IC role: you write code, shape architecture, and directly influence bank-side systems to drive SR, latency, and availability improvements at scale.
What You'll Own
Platform Reliability
• Own SR, Latency, and Availability as primary KPIs — drive structural fixes, not patches.
• Define SLOs per bank corridor; build observability frameworks for real-time health visibility.
AI-driven anomaly detection and LLM-assisted RCA to cut MTTR on SR drops.
Banking Ecosystem & Partner Engineering
• Primary technical counterpart to bank engineering — drive API design, architecture reviews, and joint SLA sessions.
• Standardize onboarding playbooks; identify STP opportunities to eliminate manual touchpoints.
• Work across UPI, IMPS, NEFT, RTGS to maintain Razorpay's technical advantage.
› ML-based failure prediction for proactive traffic re-routing before SLA breaches.
Platform Strategy & Architecture
• Build reusable, bank-agnostic integration layers — not one-off bank-specific implementations.
• Drive internal decisions: retry strategies, circuit breakers, idempotency, queue designs.
• Own the 12–24 month technical roadmap for the RazorpayX banking integration layer.
› Champion AI-native infra: self-healing integrations, intelligent fallback routing, adaptive rate limiting.
Cross-Functional Partnerships
Drive prioritization with Engineering, Banking Partnerships, Operations, Finance, Compliance, and Merchant Success — translating merchant pain into root technical causes and shipping fixes.
Required Experience
Payments Domain
• Deep knowledge of UPI, IMPS, NEFT, RTGS — including bank-side processing pipelines, settlement cycles, and
failure taxonomy.
• Hands-on experience building and operating bank integrations at scale.
Technical Skills
• Distributed Systems — consistency, idempotency, failure handling at high throughput.
• APIs & Event-Driven Architecture — Kafka, queue-based retry, dead-letter handling, exactly-once semantics.
• Observability — metrics, distributed tracing, structured logging (Prometheus/Grafana or equivalent).
Preferred Background
• 8–12+ years in payments, banking tech, or fintech — meaningful time in platform/infra engineering.
• Built or scaled payout infrastructure processing millions of transactions per day.
• Proven ability to influence without authority — across internal teams and external bank partners.
• Strong product thinking: every architectural decision traced back to customer and business impact.
Skills Required
- Deep knowledge of UPI, IMPS, NEFT, RTGS including bank-side processing pipelines, settlement cycles, and failure taxonomy
- Hands-on experience building and operating bank integrations at scale
- Experience with distributed systems: consistency, idempotency, failure handling at high throughput
- APIs and event-driven architecture expertise, including message queues, queue-based retry and dead-letter handling
- Experience with Kafka
- Observability experience: metrics, distributed tracing, structured logging (Prometheus/Grafana or equivalent)
- Hands-on coding and platform/infra engineering experience (writing code, shaping architecture)
- 8-12+ years in payments, banking tech, or fintech with platform/infra engineering experience
- Built or scaled payout infrastructure processing millions of transactions per day
- Proven ability to influence without authority across internal teams and external bank partners
- Strong product thinking linking architectural decisions to customer and business impact
Razorpay Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Razorpay and has not been reviewed or approved by Razorpay.
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Inclusive Benefits Coverage — Health coverage extends to LGBTQIA+ and live‑in partners and has added gender‑affirmation and infertility care; feedback suggests this breadth is valued. Recent expansions also include siblings and adopted or third children, with co‑pays removed for immediate family.
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Parental & Family Support — Policies highlight generous maternity and paternity leave alongside bereavement and sabbatical options; feedback suggests these supports are meaningful for families. A Family Assurance policy provides financial protection and accelerates ESOP vesting in worst‑case events.
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Equity Value & Accessibility — Equity programs include broad‑based ESOP grants and a track record of buybacks creating real liquidity; feedback suggests this strengthens perceived total compensation. Company‑wide allocations signal accessibility beyond senior cohorts.
Razorpay Insights
What We Do
Power your finance, grow your business. Razorpay is India’s first full-stack financial solutions company. We are on a mission to enhance the payment experience of over 300 million end consumers. And in doing so, we aim to enable Indian businesses - big and small - accept payments digitally with minimal effort and maximum ease. Razorpay has grown from being a payment gateway provider to a solutions-driven organization boasting of an extensive products suite to accept and disburse payments as well as raise capital and park money. In a nutshell, we fit into every nook and corner where your business touches money. #OutgrowOrdinary We identify ourselves as disruptors in the digital payments space and our vision is to power the financial ecosystem for other disruptors. Like attracts like and Razorpay actively looks to partner with established companies and startups that have either broken the glass ceiling in their industry or are set to. The Razorpay Product Suite today comprises verticals, along with Payment Gateway, like Payment Links, Payment Pages, Subscriptions, Smart Collect, Route, Razorpay Capital, RazorpayX, Payroll and Thirdwatch. Razorpay was started in 2014 by two IIT Roorkee alumni, Harshil Mathur and Shashank Kumar. Just a short few years later, Razorpay has evolved into a 800-odd strong organization with some of the best talents in the country helping some of the best companies manage their money movement seamlessly. Certified cool We are a bunch of spirited, ambitious and fun folks. And no, we’re not saying this ourselves--leading institutions have recognized Razorpay for the high trust and high-performance culture that we maintain. Our strength lies in the people we are and we go to great lengths to nurture a family of coders, designers, sellers, marketers, analysts, writers, runners, photographers, gamers, tinkerers, and above all, people who are dreamers and doers at the same time. Be a part of our exciting journey.
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