Lead Banking Operations

2 days ago

Bengaluru, Karnataka, India Razorpay Full time ₹ 15,00,000 - ₹ 20,00,000 per year

Razorpay was founded by Shashank Kumar and Harshil Mathur in 2014. Razorpay is building a new-age digital banking hub (Neobank) for businesses in India with the mission is to enable frictionless banking and payments experiences for businesses of all shapes and sizes. What started as a B2B payments company is processing billions of dollars of payments for lakhs of businesses across India.

We are a full-stack financial services organisation, committed to helping Indian businesses with comprehensive and innovative payment and business banking solutions built over robust technology to address the entire length and breadth of the payment and banking journey for any business. Over the past year, we've disbursed loans worth millions of dollars in loans to thousands of businesses. In parallel, Razorpay is reimagining how businesses manage money by simplifying business banking (via Razorpay X) and enabling capital availability for businesses (via Razorpay Capital).

Role Overview
As a
Team Lead – Banking Operations
, you will be responsible for managing end-to-end operational workflows for partner banks and financial institutions. The role involves process management, team handling, stakeholder communication, data-driven problem-solving, and ensuring regulatory and SLA adherence.

Key Responsibilities
Operational Management:

  • Drive day-to-day operations related to merchant onboarding, MIQ processing, transaction settlements, KYC verification, and compliance checks.
  • Monitor and optimize workflows across systems to ensure timely execution and minimal escalations.
  • Ensure adherence to SOPs, regulatory norms, and service-level commitments with banking partners.

Team Leadership

  • Lead a team of associates/officers handling banking operations.
  • Train, mentor, and evaluate team performance periodically.
  • people management, BAU distribution, and shift rosters if required.

Stakeholder Coordination

  • Liaise with partner banks, internal product and compliance teams to resolve bank or system-level issues.
  • Collaborate with alliance, Risk, and Tech teams to streamline onboarding and approval processes.

Process Improvement & Audit Readiness

  • Conduct periodic process audits, identify bottlenecks, and implement SOP improvements.
  • Own RCA (Root Cause Analysis) for escalations and drive corrective actions.
  • Support regulatory audits and internal quality checks.

Reporting & Analysis

  • Maintain dashboards to track TATs, productivity, exception handling, and pending queues.
  • Publish daily/weekly MIS for leadership reviews and bank communication.
  • Use data to identify trends, forecast operational loads, and preempt process failures.

Razorpay believes in and follows an equal employment opportunity policy that doesn't discriminate on gender, religion, sexual orientation, colour, nationality, age, etc. We welcome interests and applications from all groups and communities across the globe.

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