Account Manager, EMI Sales

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. Job Summary:

As an Assistant Manager for Razorpay’s Affordability Business, you will be the driving force behind our offline ecosystem growth. You aren't just selling a POS terminal; you are enabling merchants to scale their businesses through Affordability solutions. You will own the end-to-end lifecycle of merchant partnerships - from high-stakes acquisition to driving deep product penetration and sustained GTV growth.

Key Responsibilities:

- Strategic Acquisition: Identify and onboard high-potential merchants onto the Razorpay POS platform, maintaining a consistent pipeline to exceed a minimum target of 10 quality stores monthly. - Usage & GTV Optimization: Go beyond the "sign-up." Drive Merchant GTV by ensuring active POS utilization, feature adoption (Brand EMI), and transaction frequency. - Portfolio Management: Proactively monitor merchant health and performance metrics, intervening to prevent churn and maximize transaction value. - Commercial Negotiation: Lead discussions on MDR and commercial structures with partner banks to secure competitive positioning while maintaining Razorpay’s profitability. - Market Intelligence: Conduct regular field visits to gather ground-level insights on competitor moves and distribution trends. - Cross-Functional Leadership: Coordinate with Operations, and Banking partners to ensure a frictionless onboarding experience and rapid issue resolution.

Key Requirements: - Experience: 5+ years of experience in Distribution-led channel sales, ideally within Fintech. - Domain Expertise: Deep understanding of retail operations, "sell-out" management, and the Brand EMI ecosystem. - Relationship Architect: Proven ability to build rapport with key retailers, franchisees. - Mobility: High energy and readiness to travel extensively within and outside your base city to drive growth.