Solutions Architect

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. 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.   Follow us on LinkedIn & Twitter