Risk Analyst

We are a growing fintech startup enabling businesses to manage collections, payouts, and financial operations with speed and security. As we scale, we are strengthening our finance function and seeking an Internal Auditor to ensure financial accuracy, control, and compliance.

We are looking for a proactive Risk & Compliance Executive to support our Risk team in safeguarding our payments ecosystem. You will play a key role in merchant onboarding security, transaction surveillance, and regulatory compliance, ensuring we maintain a risk-resilient and compliant payments platform.

Key Responsibilities

Merchant KYC & Verification

• Review and verify merchant KYC documents (IT + Non-IT businesses)
• Conduct background checks, validate business proofs, ownership, and UBO (where applicable)
• Ensure onboarding adherence to internal policies and regulatory guidelines

Transaction Monitoring & Risk Detection

• Monitor real-time and post-facto transactions for suspicious or unusual patterns
• Assist with payment fraud detection and risk tagging
• Support escalation of anomalies to relevant internal teams

Compliance & Regulatory Support

• Assist with ongoing risk, compliance, and regulatory activities
• Maintain compliance documentation, trackers, and internal audit support
• Support policy implementation and regulatory reporting (as guided by the team)

Skills & Competencies

• Basic understanding of KYC frameworks and compliance processes
• Ability to analyze transaction behavior and identify irregularities
• Strong attention to detail and structured thinking
• Good communication and stakeholder coordination
• Comfortable working with compliance trackers, dashboards, and reports
• Integrity and ability to handle confidential data responsibly

Must-Have Traits

• Compliance-first mindset
• Strong ownership and accountability
• Ability to work with SOPs and tight deadlines
• High discretion in handling sensitive information

Qualification

• Bachelor’s degree in any field (Finance/Commerce/Business is a plus but not mandatory)

Experience

• 0 – 2 years in KYC review, risk monitoring, compliance, or operations
• Exposure to payments, fintech, banking, or gateway compliance (bonus, not mandatory)

Why This Role Stands Out

• Be part of the core team protecting a live payments ecosystem
• Learn merchant risk, fraud detection, regulatory compliance, and monitoring frameworks

What We Offer

• A compliance-driven, fast-learning environment
• Exposure to real payments risk and regulatory processes
• Mentorship from experienced Risk & Compliance leaders
• Opportunity to build a career in the Payments Risk domain

Who Will Excel Here

• Enjoys compliance + investigation work
• Has an eye for spotting anomalies
• Wants to grow in the Fintech Risk & Compliance space
• Loves structured processes and ownership roles

Job Types: Full-time, Permanent

Pay: ₹18,000.00 - ₹28,000.00 per month

Benefits:

• Health insurance
• Paid sick time
• Paid time off
• Provident Fund

Ability to commute/relocate:

• Bengaluru, Karnataka: Reliably commute or planning to relocate before starting work (Required)

Education:

• Bachelor's (Required)

Experience:

• Compliance management: 1 year (Preferred)
• Risk analysis: 1 year (Preferred)

Work Location: In person