Razorpay Software Private Limited→
AI Builder at Razorpay Software Private Limited in Bengaluru
Job Description
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.
About the role :
We're hiring AI Builders: AI-first people from product, data or business backgrounds who find a real business problem, ship a working AI solution themselves, and get it adopted. Think an early-career founder, founding PM or analyst who already builds with AI on the side or full-time, not an engineer who waits for a spec. You won't own one layer of a system. You'll own an outcome: talk to the team with the problem, decide what to build, put together a v1 with modern AI tools (code, no-code or agents, whatever is fastest), and drive it until people actually use it.
What you'll do: Work AI-first: use AI by default to research, prototype, analyse and automate, and help the teams you work with do the same • Sit with business and ops teams, find the problems worth solving, and size them in time, money or risk • Ship a working v1 yourself in days, using AI coding tools, agents, no-code or whatever gets there fastest • Get it adopted: onboard the first users, measure usage and impact, and iterate until it sticks • Decide fast what to scale, change or kill, and say why • Stay ahead of new models and tools, and know quickly which ones matter for your problems
Who you are:
- You're AI-first. AI is your default way to research, build and ship, not an add-on. You try new models and tools early and have a view on what's useful and what's hype.
- You've built something from zero. You founded something, joined a founding team or launched your own side product, and can say what happened to it.
- You start from the problem. You can explain who had it, how you knew it was real and what metric moved.
- You build with your own hands. You've shipped AI-powered products or workflows yourself, with code, agents or no-code, and can show them.
- You get things adopted. You've taken something from launch to real users, inside a company or in the market.
- You communicate crisply. You can explain a messy problem and your call on it in five minutes.
- You own outcomes. No spec, no owner, no problem: you make the call and move.
Good to have:
• A startup or side venture you started that got real users, revenue or funding
• Product or GTM experience in fintech, payments or consumer
• Founding-team experience in go-to-market: positioning, first customers, pricing
• A data science, analytics or engineering background, enough to debate trade-offs with engineers
• A public trail: a blog, talks, open-source work or products people can try