Senior Software Development Engineer

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:

A Senior SDE at Razorpay is well-grounded - smart, quality-focused, product-thinking, and business-conscious. Not a mere coder. You bring strong technical context and the experience to build software that matters at scale. Engineering at Razorpay creates significant impact across the payments ecosystem. You are expected to influence the culture of the company - bring conviction, challenge the status quo, set the bar, and help the team grow. We are looking for engineers who are current - not just technically strong, but actively working in AI-augmented workflows. At Razorpay, AI is not a feature we are building toward - it is part of how we build today.

What You Will Build

• Scale Razorpay's payment infrastructure to get every Indian to pay online
• Shape REST APIs used by developers worldwide
• Contribute to open source and set standards for mobile payments
• Drive product and design discussions - not just implement them
• Brainstorm and create new directions in Razorpay's quest to make online payments easy and accessible to all

What We Are Looking For

• 3+ years of experience in technology
• Strong product design sense - you think about the user, not just the implementation
• Proficiency in any of: PHP, Python, Django, Golang, Java, or C++
• Ability to understand end-user requirements, formulate use cases, and arrive at effective solutions
• Good understanding of REST APIs and the web in general
• Ability to build a feature from scratch and drive it to completion independently
• Willingness to learn new technology - whatever lets you deliver the best product
• Clean, well-structured code as a default - with awareness of performance and time complexity trade-offs

AI fluency we expect:

• Hands-on experience with AI coding assistants - you use them actively, not occasionally
• Ability to decompose problems into structured, constrained prompts with clear expected outcomes
• Critical review mindset - you own every line of AI-generated code, spot hallucinations, incorrect assumptions, and security gaps
• Strong LLD depth before agent use - you design first, delegate second
• Awareness of where AI helps and where it fails - and the judgment to know the difference

Why This Role Is Different

• Most companies say they want engineers who care about product. We actually mean it. You will influence product direction from day one - not just implement specs.
• No whiteboard coding. No obscure algorithm puzzles. Every round mirrors what you would actually do at Razorpay. If you have been doing the same thing for two years and want a reset - this role will challenge you in ways that are hard to find elsewhere.

Good to Have

• Weekend side projects or contributions to open source on GitHub
• Prior experience at a product company
• Hands-on experience building with LLMs or agentic frameworks
• Working knowledge of a backend programming language beyond your primary stack
• Experience designing systems for scalability, reliability, and fault tolerance