Risk Onboarding Analyst

About Dodo Payments

Dodo Payments is the Monetisation Engine for AI-native products. We're a Merchant of Record + Billing & Monetization platform that helps SaaS, AI, and digital businesses accept payments globally, automate billing (subscriptions, usage-based, one-time), and stay fully compliant with taxes and regulations in 220+ countries.

We're building the growth engine that powers global digital commerce, and we're looking for a sharp, driven Risk Onboarding Analyst to help take that mission forward.

This is an on-site role in Bengaluru, reporting directly to the Risk Lead.

You will have weekend shifts as well.

What You'll Own

• Merchant onboarding risk quality
• Approval and rejection decisions for new merchants
• Identification of prohibited and restricted businesses
• Onboarding fraud and chargeback risk outcomes
• Onboarding SLAs and escalation timelines
• Audit-ready risk documentation
  
  

If bad merchants get onboarded, this role owns fixing it.

What You'll Do

Merchant Business Model Review

• Analyze and understand merchant business models during onboarding
• Assess products, pricing, refund flows, and customer journeys
• Identify opaque, misleading, or high-risk operating structures
  
  

Policy and Regulatory Screening

• Identify prohibited and restricted businesses based on internal policies, regulatory guidelines, and card network rules
• Ensure onboarding decisions align with risk appetite and partner requirements
  
  

Risk-Based KYC and KYB

• Perform risk-based KYC and KYB reviews for merchants
• Validate business ownership, control, and operational legitimacy
• Identify inconsistencies or gaps requiring clarification or escalation
  
  

Chargeback and Dispute Risk Assessment

• Assess chargeback and dispute risk at onboarding
• Understand expected chargeback and dispute ratios by business model
• Identify business models historically prone to high disputes
  
  

Fraud Red Flag Identification

• Identify fraud indicators during onboarding, including shell or front businesses
• Detect mismatched business, ownership, or operational details
• Flag unclear or deceptive products, pricing, or refund policies
  
  

SLAs and Escalations

• Ensure onboarding reviews and escalations are completed within defined SLAs
• Escalate high-risk or ambiguous cases with clear risk context and recommendations
  
  

Documentation and Audit Readiness

• Maintain clear and structured risk assessment documentation
• Ensure onboarding decisions are defensible for audits, reviews, and partner inquiries
  
  

Cross-Functional Collaboration

• Work closely with Compliance, Risk, and Operations teams
• Align onboarding decisions with downstream monitoring and controls
  
  

What You Bring

• 0 to 1 years of experience in merchant onboarding, payments risk, or risk operations
• Strong ability to analyze digital merchant business models and customer flows
• Proven experience identifying prohibited, restricted, or high-risk merchants
• Solid understanding of chargebacks and disputes, including ratio thresholds and their impact on merchant risk
• Ability to distinguish fraud-driven disputes from non-fraud dispute patterns
• Demonstrated ability to identify fraud and financial crime risks at the onboarding stage
• Experience working with defined SLAs, turnaround times, and operational queues
• Strong analytical, communication, and documentation skills
  
  

Nice to Have

• MBA in Finance is a strong plus, MBA Graduates prefered
• Experience working at payment gateways, fintechs, PSPs, or acquirers
• Familiarity with card network rules and risk programs (Visa and Mastercard)
• Exposure to ongoing monitoring, post-onboarding reviews, or transaction monitoring
  
  

What This Role Is Not

• Not a pure KYC data-checking role
• Not a checklist-based approvals function with no judgment
• Not a post-facto monitoring role only without onboarding ownership
  
  

Why Join Dodo Payments

• Build the growth engine for one of the fastest-growing fintechs powering global AI-native businesses.
• Direct access to founders and strategic decision-making.
• Full ownership from day one - your impact is measurable and immediate.
• Exposure to international markets and AI startup ecosystems.
• On-site role in Bengaluru's startup hub.
  
  

Perks & Benefits

• Competitive salary + performance-based commission.
• Opportunity to define Risk engine for a fast-growing fintech platform.
• High autonomy and fast decision cycles.
• Health insurance and team offsites.
  
  

Want to help build the financial rails for the next generation of AI businessesLet's talk.

Skills: payments,onboarding,risk,kyc,fraud,ownership