Transaction Monitoring Executive

Role & responsibilities

You will monitor UPI transaction flows in real time to detect suspicious activity, respond quickly to incidents, and safeguard Pine Labs and its merchants from fraud, operational disruptions, and financial risk. This role acts as the first line of defense across UPI rails.

Key Responsibilities

• Monitor UPI transactions, dashboards, alerts, and risk signals in real time across rotational shifts.
• Identify anomalies such as velocity spikes, abnormal TPV surges, repeated failures, or merchant-specific irregularities.
• Triage issues swiftly and escalate to the Risk Manager / Engineering teams as per the defined playbook.
• Run quick data checks during live events to validate or reject fraud hypotheses.
• Document confirmed incidents, fraud patterns, and typologies with clear tagging.
• Support merchant onboarding checks and participate in periodic monitoring calls.
• Maintain accurate logs of alerts, responses, and resolutions to support RCA.
• Own SLAs for response time and accuracy during your shift.

Preferred candidate profile

Ideal Background

• 0.52 years of experience in UPI operations, merchant risk monitoring, fraud operations, or payments operations.
• Preferably from fintechs or PSPs such as Razorpay, Cashfree, Juspay, PayU, PhonePe, Paytm, Amazon Pay, PSP banks, or merchant operations teams.
• Strong working knowledge of UPI flows (collect/pay, intent, VPA mapping, TPV/TPD metrics).
• Comfortable using dashboards (Grafana, Kibana, internal tools) and performing quick data validations.
• Willingness to work in 247 rotational shifts, including weekends and night support.

Must-Have Skills

• Strong pattern-recognition and high operational alertness.
• Ability to make quick, sound decisions in a live environment.
• Clear and concise communication, especially in escalations.
• High attention to detail and accuracy in documentation.

Good to Have

• Basic SQL for validation queries.
• Exposure to fraud rules engines, detection tools, or chargeback workflows.