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Ajay B J

Open to roles · Bengaluru

Hello, I'm

Ajay B J

Payments Operations, Business Operations Analyst, Data Analyst, AI-Assisted Builder

I run payment operations, and I build the tools that make them better.

Download CVContact InfoView projects
fintech ops
2+ yrs
fintech ops
fintech companies
2
fintech companies
projects shipped or underway
10+
projects shipped or underway

Get To Know More

About Me

Ajay at his desk with headphones and a laptop2+ yrsinside fintech operations

Experience

2+ years · Fintech operations

Razorpay · G2 Risk Solutions

Education

BE, Information Science & Engineering

New Horizon College of Engineering · 2024

Operations background. Builder's habits.

I'm Ajay, a business and payments operations professional from Bengaluru with a BE in Information Science & Engineering (New Horizon College of Engineering, 2024). At G2 Risk Solutions I worked on Transaction Laundering Detection, risk-based transaction analysis and global KYC/AML onboarding. At Razorpay I ran POS merchant onboarding for Kotak Bank and YES Bank: MID/TID configuration, device onboarding, reconciliation, SOPs, and dashboards and trackers I built with AI-assisted tools.

That work taught me where payment processes actually break, and how much of an ops team's day goes on spreadsheets, manual checks and chasing mismatches. So I started building: dashboards, a reconciliation engine, report automations and a full-stack ordering platform with Razorpay payments.

I build with AI tools (Claude, ChatGPT, Google Flow) and I'm open about it. The requirements, business rules, testing and decisions are mine, and every project here is labelled with how far it really is.

Payments & risk

Onboarding, KYC/AML, transaction monitoring, MID/TID and POS. I know the domain from the inside.

Analytical

SQL, Excel and Python on real data, with KPIs defined before they're calculated.

Process-minded

SOPs, trackers and automation. I look for the manual step that shouldn't exist.

AI-assisted builder

From spec to working product fast, with testing and honesty built in.

Looking for

Business Operations Analyst · Payments Operations · Fintech Operations · Business Analyst · Data Analyst · technology-enabled operations

Bengaluru-based · also open to work-from-home roles

Explore My

Experience

2+ years inside fintech operations: payments, risk and compliance work at two fintech companies, the context behind every project on this site.

  1. Business Operations · Payments & POS

    May 2025 – Aug 2026

    Razorpay · Bengaluru

    End-to-end POS merchant onboarding and payment operations for bank partners: MID/TID configuration, device onboarding, KYC and risk checks, reconciliation, and TAT-driven issue resolution.

    • Developed SOPs, training documentation and process resources for onboarding Kotak Bank and YES Bank POS merchants, reducing support inquiries by 40% after implementation.
    • Managed MID & TID creation, mapping, validation and configuration to bank-specific requirements, plus device onboarding and device-to-TID mapping.
    • Conducted KYC verification, risk checks and compliance validation during onboarding; coordinated with bank teams, internal setup ops, tech and support to resolve integration and configuration issues.
    • Troubleshot MID/TID mismatches, tagging issues, HSM/TSS issues and device-mapping failures; kept configuration within TAT and closed Freshdesk tickets on time for smooth merchant go-live.
    • Handled transaction and operational reconciliation, prepared reconciliation reports, and worked with bank teams to investigate and track unmatched transactions and exceptions.
    • Built operational dashboards, automated daily trackers and reusable reporting workflows in Excel/Google Sheets with AI-assisted tools (Claude, ChatGPT, Gemini), cutting repetitive manual work and improving data accuracy and turnaround time.
    MID/TIDPOS onboardingKotak · YES BankKYC & risk checksReconciliationSOPsFreshdeskDashboards & trackers

  2. Risk Operations

    Aug 2024 – Apr 2025

    G2 Risk Solutions

    Merchant risk and compliance operations: Transaction Laundering Detection (TLD), risk-based transaction analysis and global merchant onboarding under KYC/AML standards.

    • Worked on Transaction Laundering Detection (TLD), monitoring merchant transactions for suspicious patterns, policy violations and potential misuse of POS infrastructure.
    • Performed risk-based transaction analysis to flag abnormal volumes, MCC mismatches and high-risk merchant behaviour.
    • Spearheaded enhanced risk-monitoring protocols for high-risk merchants, leading to a 7% increase in the early-detection rate of fraudulent transactions.
    • Supported Global Onboarding for international markets, applying global KYC, AML and risk standards and coordinating with Risk, Compliance, Tech and Bank Ops.
    • Ran ongoing fraud-risk assessments and kept documentation audit-ready, closing risk and monitoring cases on time within SLA and quality standards.
    TLDTransaction monitoringMCC checksFraud riskKYC/AMLGlobal onboardingSLA

Explore My

Skills & Tools

No percentage bars. Each skill is tagged with the evidence behind it: a paid role, a project on this site, or something I'm still learning.

  • Professional experience
  • Applied in projects
  • Working knowledge
  • Currently learning

Business & Operations

Where my professional experience is.

  • Merchant onboarding & go-live (domestic + global)

    Professional experience · Razorpay, G2

  • MID/TID mapping, POS configuration & device onboarding

    Professional experience · Razorpay

  • KYC / AML & risk checks

    Professional experience · Razorpay, G2

  • Transaction Laundering Detection (TLD) & fraud monitoring

    Professional experience · G2

  • Reconciliation & exception tracking

    Professional experience · Razorpay

  • SOPs & training documentation

    Professional experience · Razorpay

  • SLA/TAT-driven issue resolution

    Professional experience · Razorpay, G2

  • Bank integrations & partner coordination

    Professional experience · Kotak, YES Bank

Analytics & BI

Growing fast, with public-data projects to show for it.

  • Advanced Excel & Google Sheets (dashboards, trackers)

    Professional experience · Razorpay reporting + Excel dashboard project

  • SQL (joins, CTEs, window functions)

    Applied in projects · Sales dashboard, e-commerce analysis

  • Python · pandas

    Applied in projects · Churn analysis, payments analysis

  • KPI design & dashboards

    Applied in projects · Ops KPI dashboard

  • Data cleaning & validation

    Applied in projects · Cleaning logs, cross-checks

  • Power BI (measures, multipage dashboards)

    Applied in projects · Regional sales dashboard

  • Operational dashboards & daily trackers

    Professional experience · Razorpay

  • Requirements & BRDs

    Currently learning · Reconciliation BRD draft

  • Process mapping

    Currently learning

Development

Built with AI assistance; I own the requirements, testing and decisions.

  • HTML · CSS · JavaScript

    Applied in projects · This site, demo sites

  • React · Next.js

    Applied in projects · Mane & Oggarane, CareerFlow AI, this site

  • TypeScript

    Currently learning · CareerFlow AI, this site

  • Tailwind CSS

    Applied in projects · CareerFlow AI, this site

  • Supabase (Postgres, Auth, row-level security)

    Applied in projects · Mane & Oggarane, CareerFlow AI

  • Google OAuth

    Applied in projects · Mane & Oggarane, CareerFlow AI

  • Gmail API (read-only sync)

    Applied in projects · CareerFlow AI

  • Background jobs & schedulers

    Applied in projects · CareerFlow AI job queue

  • Automated testing (Vitest)

    Applied in projects · CareerFlow AI, 57 tests

  • Chrome extensions (Manifest V3)

    Working knowledge · CareerFlow AI companion

  • Razorpay integration & webhooks

    Applied in projects · Test mode

  • REST APIs & integrations

    Applied in projects · Gmail, Gemini, Razorpay

  • Git & GitHub

    Working knowledge

AI & Automation

Using AI to go from idea to working thing faster.

  • ChatGPT · Claude · Gemini · Astra AI

    Professional experience · Reporting & automation at Razorpay

  • AI-assisted coding

    Applied in projects · Every project here (Claude Code, ChatGPT)

  • Gemini API in products

    Applied in projects · CareerFlow AI resume tailoring & Copilot

  • Prompt engineering & reusable templates

    Applied in projects

  • Google Flow (AI video)

    Applied in projects · Short-form video experiments

  • Scene-by-scene video workflows

    Applied in projects

  • Automated trackers & reporting workflows

    Professional experience · Razorpay

  • Python report automation

    Applied in projects · Daily ops report

Platforms & Tools

Tools I have actually set up and used.

  • Vercel

    Applied in projects · Mane & Oggarane, CareerFlow AI

  • Google Cloud (OAuth consent, APIs)

    Applied in projects · CareerFlow AI

  • Netlify

    Applied in projects

  • GitHub · GitHub Actions

    Working knowledge · CareerFlow AI CI & scheduler

  • Shopify

    Applied in projects · ExploreXDeals store

  • SuperProfile

    Applied in projects · Digital product sales

  • Freshdesk

    Professional experience · Razorpay ticketing

  • SFTP (FileZilla)

    Professional experience

  • Google Sheets

    Professional experience

Browse My Recent

Projects

Full-stack products, fintech and data analysis, business experiments and AI workflows. Status badges say exactly how far each one has got.

Mane & Oggarane home page with Kannada headline, menu button and restaurant logoFlagship

Flagship · full-stack

Mane & Oggarane

Live demoPublic demo · Razorpay test mode only

A full-stack ordering site for a Karnataka-cuisine restaurant concept, built as a demo to offer small restaurants their own ordering, payments and retention channel. It covers menu to checkout to Razorpay to kitchen dashboard.

Next.jsSupabaseRazorpayGoogle OAuthVercel
Read case study Open live demo
FITORA exercise library: cards for Pushups, Barbell Squat, Barbell Bench Press and more, each with a real demo photo
LiveLive · web + Android app (installed, not yet on Play Store)

FITORA

Full-stack fitness app: smart workout logger, AI coach, gym management and an Android app

A fitness app for Indian gym-goers and gym owners. It remembers every set you log and tells you what to lift next time, swaps exercises when equipment is busy, and has an AI coach and food logging that understand Indian meals. Gym owners get members, fees, WhatsApp/UPI reminders, QR check-in and monthly reports. Google sign-in, cloud sync, phone reminders and 5 languages.

React 19TypeScriptViteTailwind CSS v4Firebase Auth (Google)
Read case study
Ajay AutoFlow website: 'Paste your storyboard once. Get every scene, in order.' next to a mock of the side panel running scene 3 of 6
LiveFree download · install from ZIP (not on the Chrome Web Store yet)

Ajay AutoFlow

Chrome extension that batch-runs Google Flow prompts and saves every clip in order

A Chrome extension for AI video creators: paste or import a whole storyboard, press Start, and it runs every scene in Google Flow, picks the right character and voice, and saves each clip with a timecoded file name. It also has pause/resume with crash recovery, a run report with retry-failed, and a companion website with a storyboard planner.

JavaScriptChrome Extensions (Manifest V3)Side Panel APIChrome DevTools Protocolchrome.storage / downloads / notifications
Read case study

Earlier analytics projects · 2024

Customer Churn Analysis

Mar – May 2024

Analysed 7,043 telecom customers by tenure, contract type and monthly charges. Engineered contract-type buckets and tenure bands, and built 11 visualizations. Found that 38% of churned users were on monthly contracts with under 3 months' tenure, which pointed to early-engagement strategies.

PythonFeature engineeringVisualization

Regional Sales Performance Dashboard

Jan – Mar 2024

Joined 3 sales tables (25,000+ rows, 12 months, 5 regions) into an analysis-ready dataset. Built 10 dynamic Power BI measures and a multipage dashboard with drill-downs. Detected a 14% post-festival sales drop in the South region, which was later used for a marketing recovery plan.

SQLPower BI

Read the full story

Project Case Studies

Problem, solution, my contribution, architecture, screenshots, challenges, business considerations and lessons learned.

How I Work With

AI & Automation

AI speeds up the parts that are slow for one person: drafting code, generating video, formatting content. The judgement parts stay human: what to build, what's correct, what's safe to ship.

AI-assisted development

Claude and ChatGPT write and refactor code from my specs. I review every change, test the flows (payments, refunds, edge cases) and keep the final say on architecture.

Seen in: Mane & Oggarane, this website, data projects

Generative video workflows

Google Flow clips from scene-by-scene prompt templates with a consistent presenter character, cut into 9:16 shorts for Instagram, Facebook and YouTube.

Seen in: AI short-form video workflows

Ops automation

Python scripts that replace manual export → pivot → email routines, with logs so a failed run is never silent.

Seen in: Daily ops report, reconciliation engine

What AI does

Drafts code, formats content, generates video clips

What I do

Requirements, business rules, testing, review, decisions

What I don't claim

Proprietary models, autonomous systems, or skills I haven't used

Follow My

Learning Journey

From operations to building. Every step has added a layer: domain knowledge first, then tools, then shipping things.

Currently learning

  • Power BI & DAX
  • Advanced SQL
  • Python for analysis
  • Business analysis (BRDs, process maps)

  1. 2024

    BE, Information Science & Engineering

    New Horizon College of Engineering, Bangalore. Built my first analytics projects in Python, SQL and Power BI (churn analysis, regional sales dashboard).

  2. Aug 2024

    Risk Operations · G2 Risk Solutions

    First fintech role: Transaction Laundering Detection, risk-based transaction analysis and global KYC/AML onboarding.

  3. May 2025

    Business Operations · Razorpay

    Payments & POS operations for Kotak and YES Bank merchants: MID/TID, device onboarding, reconciliation, SOPs, and AI-assisted dashboards and trackers.

  4. Alongside work

    Building with AI

    Started building real things with AI-assisted development: ExploreXDeals store experiments, three self-published ebooks and bundles, and AI video workflows.

  5. Oct 2026

    Mane & Oggarane

    Full-stack ordering platform with Supabase and Razorpay; staging approved, public demo live.

  6. Nov 2026

    Data & Automation Lab

    Eight analytics projects on real public data (SQL, Excel, Power BI, Python, reconciliation), each labelled by how far I've taken it.

  7. Nov 2026

    CareerFlow AI

    AI job-search platform that reads my Gmail (read-only) and tracks every application automatically. Live on Vercel with Supabase, Gmail API, Gemini and background jobs.

  8. Nov 2026

    FITORA

    Turned a fitness prototype into a full-stack app: Google sign-in, smart workout logger, Gemini AI coach and food logging, phone reminders, gym owner tools with UPI links, and an Android app.

  9. Nov 2026

    Ajay AutoFlow

    Chrome extension that batch-runs Google Flow prompts for AI videos: scene import, timecoded files, pause/resume and a run report, with a companion website.

  10. Next

    Finishing what's in progress

    Build the Power BI report, rebuild the reconciliation logic myself, and deepen SQL for analyst roles.

Want the short version?

My Current Resume

Experience at Razorpay and G2 Risk Solutions, skills, analytics projects and education, as a two-page PDF.

Download PDFLinkedIn

Get in Touch

Contact Me

Hiring for operations, payments, business analysis or data roles in Bengaluru? Or want an ordering platform for your restaurant? I'd love to hear from you.