Manager, Banking Solutions

Razorpay is one of Indias 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 - weve since grown into a fintech powerhouse driving Indias 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 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 thats redefining how money moves across Asia.

Today that ecosystem supports everyone from early-stage startups to some of Indias 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 Indias 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 youre curious youll 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 youll be part of a 3000 strong team building not just products but the financial infrastructure of the future.

The UPI Lead Banking Solutions position exists to own and drive Razorpays end-to-end UPI infrastructure sponsor bank relationships and payment rail integrations within the Banking Solutions unit. As the core domain leader for UPI solutions this role solves complex integration bottlenecks between partner banks NPCI and internal payment switches to maximize transaction success rates minimize latency and scale high-concurrency payment flows. Reporting into Banking Solutions leadership this lead-level position sits at the intersection of transaction banking product architecture and regulatory execution to pioneer new UPI initiatives (such as UPI Credit Line AutoPay and Cross-Border UPI).

• Own and manage end-to-end UPI banking integrations sponsor bank relationships and NPCI alignment across the Banking Solutions suite.
• Drive UPI transaction success rates system uptime and latency optimization across all partner bank node architectures and routing switches.
• Spearhead the execution of advanced UPI payment innovations including Credit Line on UPI UPI Lite AutoPay and international payment flows.
• Partner with bank technology leadership regulatory bodies and internal product teams to design resilient scalable and compliant switch architectures.
• Lead root-cause analysis (RCA) and mitigation frameworks for transaction drops downtime incidents and partner bank infrastructure degradation.
• Leverage AI-driven payment routing tools and predictive analytics to monitor real-time transaction health detect anomalies and dynamically optimize traffic distribution.

• Experience:
  
  
• 610 years of experience in Fintech Digital Payments or Transaction Banking with at least 4 years of dedicated expertise in UPI payment infrastructure and sponsor bank integrations.
• Proven track record of managing high-volume payment rails success rate optimization and switch performance engineering.
• Skills:
  
  
• In-depth understanding of NPCI UPI specifications payment switch mechanics API protocols and nodal/escrow account operations.
• Strong partner management technical negotiation and cross-functional leadership capabilities across banking and regulatory stakeholders.
• Tools:
  
  
• Proficiency with SQL log analysis frameworks (Kibana/Grafana) API testing suites (Postman) and payment analytics platforms.
• AI & Digital Competency:
  
  
• Practical capability in utilizing AI-powered transaction routing engines predictive uptime monitoring platforms and automated anomaly detection workflows to maintain high-availability payment rails.