Associate Manager, Banking Solutions

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 seamless checkouts to payroll automation, across India, Singapore, and Malaysia, we’ve been engineering a fintech ecosystem that’s redefining how money moves across Asia — and we’re just getting started.

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

We are looking for a high-impact individual to drive banking partnerships and solutioning for cross-border payments at Razorpay. This role sits at the intersection of banking, fintech infrastructure, compliance, and product, enabling global payment capabilities for Indian businesses. You will work closely with banks, IBUs, regulators, and internal teams to design and scale cross-border payment solutions across collections, payouts, FX, and settlement flows. 

Key Responsibilities

Banking Partnerships & Relationship Management 

• Build and manage relationships with banks (AD banks and global banks) and financial institutions. 
• Act as the single point of contact for cross-border banking partners ● Drive partner onboarding, commercial alignment, and ongoing engagement 

Cross-Border Solutioning 

• Design and enable end-to-end cross-border payment flows (collections, payouts, PA-CB, FX, settlement) 
• Work with banks to structure compliant payment flows aligned with RBI/IFSCA guidelines. 
• Solve for merchant-specific use cases (SaaS, marketplaces, exporters, brokers). 

Product & GTM Collaboration 

• Collaborate with product, compliance, and tech teams to: 
• Launch new cross-border capabilities. 
• Improve success rates, cost efficiency, and settlement timelines 
• Support GTM teams with banking insights and solution design for enterprise merchants

Regulatory & Compliance Alignment 

• Work closely with banks and internal teams on: 
• LRS / FEMA / AML frameworks 
• Documentation, reporting, and compliance requirements 
• Engage with regulators (RBI/IFSCA) where required for new use cases. 

Partner Performance & Optimization 

• Track partner performance across the following: TAT (settlement timelines), success rates, cost structures, identify optimization ,opportunities across: pricing FX settlement cycles 

Strategic Initiatives 

• Drive new initiatives such as the following:
• GIFT City / IBU integrations 
• PSP partnerships 
• Alternative payment rails 
• Support expansion into new geographies and corridors 

What You’ll Work On (Example Use Cases) 

• India → Global collections for SaaS / exporters 
• Import payments (PA-CB flows) 
• GIFT City / IFSCA-based settlement flows 
• FX optimization / guaranteed FX solutions 
• Marketplace and broker-dealer payment flows 

Mandatory Qualification

• 2–5 years of experience in Cross-border fintech (Xflow, Skydo, BriskPe, Cashfree, Payoneer, etc.) ○ OR banking / relationship management (AD banks, FX, trade, remittance) 
• Strong understanding of cross-border PA/CB guidelines, card flows, network infra, global payment infra, ACH, APM, etc., and banking rails (SWIFT, Nostro/Vostro, LRS, trade flows). 
• Experience working with banks or fintech partners 
• Ability to translate business use cases into banking/payment flows ● Strong stakeholder management & communication skills 
• Exposure to: GIFT City / IFSCA ecosystem, FX / treasury / trade finance, Payment aggregators / PSP models 
• Existing relationships with banks or fintech ecosystem 

Why This Role is Critical 

• Core to building Razorpay’s cross-border strategy 
• Direct impact on merchant experience, costs, and expansion
• Opportunity to work across regulation, banking, and product innovation 

Ideal Candidate Profile 

• Structured thinker + strong execution ability 
• Understanding of basic AI tools is a must. 
• Comfortable navigating ambiguity and regulatory environments
• Strong ownership mindset 
• Ability to operate across business, product, and compliance