📋 Job Details at a Glance 📍 Location Bangalore, Karnataka, India 🏢 Company PhonePe 👥 Experience 0-2 years 🎓 Qualification Any Graduate 📅 Eligible Batch 2022, 2023, 2024, 2025 📄 Job Type Full Time 💰 Salary As per Company Policy 🏢 Industry Technology 🛠 Key Skills Problem Solving Communication Skills Basic Computer Knowledge SQL Python Operations Associate – Merchant KYC at PhonePe — Full Details & How to Apply PhonePe is seeking an Operations Associate – Merchant KYC in Bangalore, Karnataka, India , where freshers can kickstart their careers in a leading fintech company known for its innovative payment solutions. This role is pivotal as the demand for KYC compliance in fintech continues to rise, making it essential for maintaining regulatory standards. The Operations Associate – Merchant KYC role is crucial in the technology sector, especially as companies like PhonePe expand their digital payment solutions. With over 400 million registered users , PhonePe is at the forefront of addressing compliance challenges, ensuring that merchants are onboarded efficiently while adhering to regulatory requirements. This position not only supports the company’s growth but also enhances user trust in digital transactions. What sets PhonePe apart as an employer is its commitment to innovation and user-centric solutions. Founded in 2015 , the company has rapidly become a leader in digital payments in India. The culture at PhonePe encourages collaboration and continuous learning, making it an ideal environment for fresh talent to thrive. We invite 2022, 2023, 2024, 2025 graduates with a background as Any Graduate and 0-2 years experience to apply for this role. The salary for this position is As per Company Policy , making it an attractive opportunity for those looking to enter the fintech space. In this role, you will gain hands-on experience with essential skills such as Problem Solving , Communication Skills , Basic Computer Knowledge , SQL , and Python . These competencies are increasingly sought after in the tech industry and will open doors to future roles in compliance and operations within fintech. 📊 Role Difficulty: Medium | Competition Level: Medium | Fresher Friendly: Yes NexisGrow.com features this opportunity as part of its curated tech job listings. All details are sourced from the official job posting. Apply online before the opportunity closes. Job Role & Responsibilities The Operations Associate – Merchant KYC at PhonePe plays a crucial role in ensuring compliance during the merchant onboarding process, directly impacting operational efficiency and regulatory adherence. Manage merchant onboarding workflows by verifying KYC compliance documents using internal tools, ensuring accuracy and adherence to standards. Utilize SQL to extract and analyze data related to merchant applications, facilitating informed decision-making. Collaborate with the merchant operations team to streamline verification pipelines and improve efficiency, enhancing overall productivity. Monitor and report on KYC compliance metrics to ensure adherence to regulatory standards, using data-driven insights. Take ownership of the KYC verification process, ensuring timely completion and accuracy through diligent oversight. Document processes and communicate findings to stakeholders for continuous improvement, fostering a culture of transparency. Engage with merchants to resolve queries and provide support during the onboarding process, enhancing customer satisfaction. This role emphasizes ownership and accountability, allowing you to make a direct impact on the KYC verification process and overall operational success. Required Skills & Technical Competencies The ideal candidate will possess a blend of technical and soft skills essential for effective KYC operations at PhonePe . Technical Skills Problem Solving — entry — essential for addressing challenges in merchant onboarding and compliance. Basic Computer Knowledge — entry — necessary for navigating internal systems and tools effectively. SQL — entry — used daily for data extraction and analysis to support KYC processes. Python — entry — beneficial for automating data evaluation tasks and improving efficiency. Communication Skills — entry — critical for coordinating with merchants and internal teams effectively. Soft Skills & Professional Competencies Effective communication to articulate KYC processes and resolve merchant queries. Analytical thinking to interpret compliance metrics and identify areas for improvement. Attention to detail to ensure accuracy in KYC documentation and reporting. Adaptability to navigate changing regulatory requirements and operational needs. Good to Have (Bonus Skills) Knowledge of regulatory compliance — enhances understanding of KYC requirements. Experience with data visualization tools — aids in presenting compliance metrics effectively. Familiarity with payment systems — provides context for the operations associate role. When showcasing these skills in your resume or interview, emphasize specific examples of how you have applied them in relevant situations. Eligibility Criteria This role is designed for recent graduates eager to enter the fintech industry and contribute to KYC operations at PhonePe . Any graduate is eligible, fostering diverse educational backgrounds. Candidates from the 2022 , 2023 , 2024 , and 2025 batches are encouraged to apply. No prior experience is required, making this role ideal for freshers. A minimum academic performance of 60% is preferred to ensure a strong foundational knowledge. Internship experience in related fields can provide an advantage in understanding KYC processes. Documentation & Portfolio Requirements Submit a resume in PDF format that includes your educational background, relevant skills, and any internship experiences related to KYC or compliance. Highlight any specific projects or coursework related to KYC processes during your application to stand out. Salary for Operations Associate – Merchant KYC at PhonePe 💰 Compensation As per Company Policy The advertised compensation for the Operations Associate – Merchant KYC role at PhonePe is As per Company Policy . The exact in-hand figure and any additional components are confirmed by the company during the offer or HR discussion stage. Selection Process at PhonePe The selection process for the Operations Associate – Merchant KYC role is designed to identify candidates who possess the necessary skills and cultural fit for PhonePe . 1 Online Aptitude Test — 60 minutes, testing logical reasoning and basic math skills. 2 Technical Interview — focuses on SQL, Python, and KYC compliance concepts. 3 Behavioral Interview — assesses cultural fit and problem-solving abilities through scenario-based questions. 4 HR Interview — discusses salary expectations and company culture, with an offer timeline of 1-2 weeks. Topic-wise Preparation Guide Round 1: Online Aptitude Test Logical Reasoning — essential for problem-solving in operations — Khan Academy Quantitative Aptitude — relevant for data analysis tasks — Khan Academy Data Interpretation — important for understanding KYC metrics — Khan Academy Basic English Proficiency — necessary for effective communication — Khan Academy Round 2: Technical Interview SQL Queries — focus on data extraction and manipulation techniques — W3Schools Python Basics — understanding syntax and data handling — Codecademy KYC Regulations — knowledge of compliance requirements — GeeksForGeeks Data Analysis Techniques — methods for evaluating merchant data — GeeksForGeeks Problem-Solving Scenarios — practical applications in operations — GeeksForGeeks Round 3: Behavioral Interview STAR Method — preparing for behavioral questions using specific examples — MindTools Conflict Resolution — handling challenging situations in a team — MindTools Technical Deep-Dive — demonstrating SQL and Python knowledge through practical examples — GeeksForGeeks Timeline & Expectations The application to offer timeline is typically 1-2 weeks, allowing candidates to prepare adequately for each stage. Prepare thoroughly for each round, as PhonePe values both technical skills and cultural fit. Expected Interview Questions for Operations Associate – Merchant KYC at PhonePe These questions are based on the role's actual tech stack and responsibilities. Technical Questions What is a JOIN in SQL and how is it used? How would you write a query to find duplicate entries in a database? Explain the difference between Python lists and tuples. How can you automate a repetitive task using Python? What are the key components of KYC compliance? Describe a situation where you used data to solve a problem. Behavioral Questions Describe a time you faced a challenge and how you overcame it. How do you prioritize tasks when managing multiple deadlines? Give an example of a time you worked in a team to achieve a goal. How would you handle a difficult merchant during the onboarding process? Role-Specific Questions What steps would you take to verify a merchant's KYC documents? How do you ensure accuracy in data entry? What tools would you use to monitor KYC compliance metrics? Structure your answers using the STAR method to clearly convey your experiences and problem-solving skills. Resume Tailoring & ATS Keywords for Operations Associate – Merchant KYC Optimizing your resume for ATS is crucial for standing out in the application process for this role. ATS Keywords to Include Operations Associate Merchant KYC SQL Python Problem Solving Communication Skills Data Evaluation Compliance Onboarding Fintech Bangalore Freshers Resume Tips for This Role Highlight any relevant coursework or projects related to compliance or data analysis. Emphasize communication skills, especially if you have experience in customer-facing roles. Include any internships or volunteer work that demonstrates your problem-solving abilities. Optimize your resume for ATS by using keywords from the job description. Avoid including unrelated work experience that does not showcase relevant skills. Build an ATS-optimized resume for this role using NexisGrow Resume Builder — free for all job seekers. Do not include irrelevant work experience that does not align with the job requirements. 7-Day Preparation Roadmap for Operations Associate – Merchant KYC Interview This roadmap is tailored to the JD requirements, ensuring focused preparation. Day 1-2: Study SQL basics using online resources like W3Schools . Day 3-4: Practice Python fundamentals on platforms like Codecademy . Day 5-6: Review KYC regulations and compliance requirements through industry articles. Day 7: Conduct a mock interview focusing on behavioral questions and finalize your resume. Recommended Resources Khan Academy GeeksForGeeks Codecademy W3Schools Boost your profile with relevant certifications at NexisGrow GetCertified — strengthen your application before you apply. Common Mistakes to Avoid ❌ Neglecting to tailor your resume for the specific role — customize your resume for each application. ❌ Underestimating the importance of SQL skills — practice SQL thoroughly as it's critical for this position. ❌ Failing to prepare for behavioral questions — use the STAR method to structure your responses. ❌ Not researching PhonePe's recent developments — stay informed about the company's latest news and updates. ❌ Overlooking the need for clear communication during the interview process — practice articulating your thoughts clearly. ❌ Submitting applications without proofreading for errors — always review your application for mistakes. Before You Apply — Checklist ✅ Research PhonePe's mission and values before applying. ✅ Update your resume to reflect relevant skills and experiences. ✅ Prepare a cover letter that highlights your interest in the role. ✅ Gather references who can vouch for your skills and work ethic. ✅ Practice common interview questions and prepare your STAR responses. ✅ Ensure you meet the eligibility criteria before applying. ✅ Follow the application instructions carefully to avoid errors. ✅ Set reminders for application deadlines and follow up if necessary. About PhonePe Founded in 2015 , PhonePe is headquartered in Bangalore, Karnataka , and has grown to employ over 3,000 employees . The company operates in multiple countries, showcasing its global footprint in the fintech sector. Its rapid growth reflects the increasing demand for digital payment solutions. PhonePe is recognized for its innovative UPI-based payment platform , which processes billions of transactions annually. The platform includes features like PhonePe Wallet and PhonePe for Business , catering to both consumers and merchants. This comprehensive suite of services positions the company as a leader in the digital payments landscape. The workplace culture at PhonePe has earned accolades, including a Glassdoor rating of 4.3/5 , reflecting high employee satisfaction. The company emphasizes employee development through various programs, fostering a supportive environment that encourages growth and collaboration among its workforce. Recently, PhonePe raised $1 billion in funding to expand its services, indicating robust growth and innovation in the fintech space. This funding will enhance its technological capabilities and broaden its market reach, further solidifying its position in the industry. For freshers in technology, PhonePe offers a strong career launchpad, providing a solid foundation in fintech operations. The company’s focus on mentorship and skill development equips new employees with the necessary tools to thrive in their careers. Why Join PhonePe as Operations Associate – Merchant KYC? As an Operations Associate – Merchant KYC at PhonePe , you will gain hands-on experience in critical KYC processes, enhancing your skill set in the rapidly evolving fintech industry. Practical KYC Experience — Engage directly with KYC processes using SQL, a vital skill in the fintech sector. Python Learning Opportunities — Develop your technical skills by learning Python for data evaluation, boosting your employability. Career Advancement Potential — After 1-2 years, explore diverse career paths in compliance, data analysis, or operations management. Collaborative Work Culture — Experience a supportive environment that encourages innovation and teamwork among employees. Bangalore Tech Hub — Enjoy a vibrant lifestyle in Bangalore , with access to numerous tech events and networking opportunities. According to NexisGrow.com, the role of Operations Associate – Merchant KYC at PhonePe offers a unique blend of practical experience and career growth potential, making it an ideal choice for aspiring professionals in the fintech industry. Frequently Asked Questions Interview · Role · Salary · Growth ? Who can apply for Operations Associate – Merchant KYC at PhonePe? Eligibility Tap to expand + Answer Candidates with Any Graduate and 0-2 years experience are eligible. Eligible batches: 2022, 2023, 2024, 2025. ? What skills are most important for this role? Skills Tap to expand + Answer Key skills: Problem Solving, Communication Skills, Basic Computer Knowledge, SQL, Python. Strong fundamentals and practical project experience matter most. ? What is the salary for this position? Salary Tap to expand + Answer Compensation: As per Company Policy. Final offer depends on skills, experience, and interview performance. ? What is the interview process at PhonePe? Interview Tap to expand + Answer Typically: Resume shortlisting → Online test → Technical interview(s) → HR round. ? Is this role remote, hybrid, or onsite? Work Mode Tap to expand + Answer Work mode varies by team. Confirm with HR during recruitment. ? What is the career growth path from this role? Growth Tap to expand + Answer Structured appraisals every 6–12 months. Senior roles accessible within 12–18 months based on performance. ? How do I apply? Application Tap to expand + Answer Apply via the official link in How to Apply section. Highlight: Problem Solving, Communication Skills, Basic Computer Knowledge, SQL, Python. ? Is there a probation period? Probation Tap to expand + Answer Standard 3–6 months probation. Confirmation follows successful completion. ? How to prepare for the Operations Associate – Merchant KYC interview? Preparation Tap to expand + Answer (1) Core concepts of Problem Solving, Communication Skills, Basic Computer Knowledge, SQL, Python, (2) 2–3 project walkthroughs, (3) Problem-solving, (4) PhonePe research, (5) Clear communication. ? What is the work culture like at PhonePe? Culture Tap to expand + Answer Research on LinkedIn and Glassdoor for authentic employee reviews. NexisGrow.com features only verified employers. 🔗 Explore More on NexisGrow More jobs in Bangalore Browse all Tech jobs More jobs at PhonePe Work From Home jobs Ready to Apply? Don't Miss This Opportunity! Apply only via the official link. NexisGrow.com charges zero application fees. 👉 Apply Now — Official Link NexisGrow.com does not charge any application or registration fees. Beware of fraudulent offers. Naukri ki baat, NexisGrow ke saath • NexisGrow.com