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 qualityApproval and rejection decisions for new merchantsIdentification of prohibited and restricted businessesOnboarding fraud and chargeback risk outcomesOnboarding SLAs and escalation timelinesAudit-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 onboardingAssess products, pricing, refund flows, and customer journeysIdentify 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 rulesEnsure onboarding decisions align with risk appetite and partner requirements

Risk-Based KYC and KYB

Perform risk-based KYC and KYB reviews for merchantsValidate business ownership, control, and operational legitimacyIdentify inconsistencies or gaps requiring clarification or escalation

Chargeback and Dispute Risk Assessment

Assess chargeback and dispute risk at onboardingUnderstand expected chargeback and dispute ratios by business modelIdentify business models historically prone to high disputes

Fraud Red Flag Identification

Identify fraud indicators during onboarding, including shell or front businessesDetect mismatched business, ownership, or operational detailsFlag unclear or deceptive products, pricing, or refund policies

SLAs and Escalations

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

Documentation and Audit Readiness

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

Cross-Functional Collaboration

Work closely with Compliance, Risk, and Operations teamsAlign onboarding decisions with downstream monitoring and controls

What You Bring

0 to 1 years of experience in merchant onboarding, payments risk, or risk operationsStrong ability to analyze digital merchant business models and customer flowsProven experience identifying prohibited, restricted, or high-risk merchantsSolid understanding of chargebacks and disputes, including ratio thresholds and their impact on merchant riskAbility to distinguish fraud-driven disputes from non-fraud dispute patternsDemonstrated ability to identify fraud and financial crime risks at the onboarding stageExperience working with defined SLAs, turnaround times, and operational queuesStrong analytical, communication, and documentation skills

Nice to Have

MBA in Finance is a strong plus, MBA Graduates preferedExperience working at payment gateways, fintechs, PSPs, or acquirersFamiliarity 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 roleNot a checklist-based approvals function with no judgmentNot 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 businesses?Let’s talk.

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