About the role
About PhonePe Limited:
Headquartered in India, its flagship product, the PhonePe digital payments app, was launched in Aug 2016. As of April 2025, PhonePe has over 60 Crore (600 Million) registered users and a digital payments acceptance network spread across over 4 Crore (40+ million) merchants. PhonePe also processes over 33 Crore (330+ Million) transactions daily with an Annualized Total Payment Value (TPV) of over INR 150 lakh crore.
PhonePe’s portfolio of businesses includes the distribution of financial products (Insurance, Lending, and Wealth) as well as new consumer tech businesses (Pincode - hyperlocal e-commerce and Indus AppStore Localized App Store for the Android ecosystem) in India, which are aligned with the company’s vision to offer every Indian an equal opportunity to accelerate their progress by unlocking the flow of money and access to services.
Culture:
At PhonePe, we go the extra mile to make sure you can bring your best self to work, Everyday!. And that starts with creating the right environment for you. We empower people and trust them to do the right thing. Here, you own your work from start to finish, right from day one. PhonePe-rs solve complex problems and execute quickly; often building frameworks from scratch. If you’re excited by the idea of building platforms that touch millions, ideating with some of the best minds in the country and executing on your dreams with purpose and speed, join us!
Role Overview
The Central Risk Team architects plug-and-play risk infrastructure and AI-driven intelligence for all business verticals (Merchant, Consumer, AML and others). Our goal is to enable secure scaling through algorithmic excellence, replacing siloed, custom analysis with centralized, scalable intelligence capabilities.
The Senior Manager, T&S analytics for this team will serve as a strategic architect for centralized intelligence for Trust and Safety across PhonePe. You will evaluate multifaceted risk challenges across business units and build solutions for the entire intelligence lifecycle, translating business problems into rigorous data goals and actionable AI models.
Primary Responsibilities
- Centralized Strategy: Reinterpret vertical-specific risk challenges into unified, central data solutions that serve the entire ecosystem. This includes Risk Profiling, Risk Categorization, Risk Intelligence , Signal Repository, Overall Detection & Prediction capabilities and Signal precision and recall of the overall system intelligence
- Execution of central risk roadmap to achieve TnS outcomes and hit Quarterly KPIs.
- Systemic Problem Solving: Build solutions on short term goals and long term needs. Create convincing use cases for AI and design data-driven goals that plug into larger business systems.
- Cross-Functional Integration: Partner with Product and Engineering to embed risk mitigation natively into platform infrastructure and workflows.
- AI Governance: Lead the partnership with Data Science; formulate model requirements based on business outcomes and design the frameworks for model integration.
- Leadership: Executing with a high-performance analytics team, fostering technical rigor and sophisticated inquiry.
Core Professional & Methodological Expertise
- Education: Bachelor’s in Engineering or Master’s in a quantitative field (Management, Stats, Math).
- Professional Experience : 8+ years driving data-led outcomes. Proven ability to translate abstract problems into data goals and manage AI models from ideation to cross-functional system integration.
Expertise in Customer Profiling, Behavioral Segmentation, Anomaly Detection, Predictive Modeling, and Cohort/Funnel Analysis is a plus.
Direct fraud experience is not mandatory, we will expect you to be able to demonstrate how to apply various methodologies to solve complex risk use cases.
- Technical Skills:
- Expert command of SQL, Python/R, and Spark
- Experience with Qlik or equivalent & BI tools
- Experience with statistical modeling
- Payment industry experience
- Experience with large scale data and Real time data
- Soft Skills: Strong problem-solving, story telling with data, project management, and the ability to work independently while coordinating with diverse internal and external stakeholders.
PhonePe Full Time Employee Benefits (Not applicable for Intern or Contract Roles)
- Insurance Benefits - Medical Insurance, Critical Illness Insurance, Accidental Insurance, Life Insurance
- Wellness Program - Employee Assistance Program, Onsite Medical Center, Emergency Support System
- Parental Support - Maternity Benefit, Paternity Benefit Program, Adoption Assistance Program, Day-care Support Program
- Mobility Benefits - Relocation benefits, Transfer Support Policy, Travel Policy
- Retirement Benefits - Employee PF Contribution, Flexible PF Contribution, Gratuity, NPS, Leave Encashment
- Other Benefits - Higher Education Assistance, Car Lease, Salary Advance Policy
Our inclusive culture promotes individual expression, creativity, innovation, and achievement and in turn helps us better understand and serve our customers. We see ourselves as a place for intellectual curiosity, ideas and debates, where diverse perspectives lead to deeper understanding and better quality results. PhonePe is an equal opportunity employer and is committed to treating all its employees and job applicants equally; regardless of gender, sexual preference, religion, race, color or disability. If you have a disability or special need that requires assistance or reasonable accommodation, during the application and hiring process, including support for the interview or onboarding process, please fill out this form.
Read more about PhonePe on our blog.
Aplyr's read
PhonePe is a transformative force in India's digital payments, driven by a diverse team focused on innovation and financial inclusion.
What's promising
- •PhonePe has a strong market presence in India's rapidly growing digital payments sector.
- •The company offers diverse roles, indicating robust growth and expansion.
- •Its focus on financial inclusion aligns with national economic goals, enhancing relevance.
What to watch
- •High competition from other fintech giants could impact market share.
- •Regulatory changes in India may pose operational challenges.
- •Rapid growth might strain internal resources and employee workload.
Why PhonePe
- •PhonePe's integration with UPI distinguishes it from many competitors.
- •It has a strong emphasis on promoting cashless transactions in rural areas.
- •The company leverages local market insights to tailor its financial solutions.
Aplyr’s read is generated by AI from public sources. Was it useful?
About PhonePe
PhonePe is a leading digital payments platform in India that enables users to make seamless transactions through its mobile app. It has significantly impacted the financial landscape by promoting cashless transactions and enhancing financial inclusion across the country.
