Sr. Data Scientist, Amazon Pay Data Products

Amazon Pay (India) Private Limited is the Indian operating entity that runs Amazon’s digital payments business in India, providing consumer-facing payment tools and merchant-facing payment acceptance solutions designed to enable cashless transactions across e‑commerce and offline channels. Operating as the localized arm of the broader Amazon Pay offering, the company focuses on enabling secure, seamless and integrated payment experiences for customers who shop on Amazon’s marketplaces and for third‑party merchants and service providers that accept Amazon Pay. Core business activities: Amazon Pay (India) develops, operates and supports payments infrastructure and services tailored to the Indian market. The company issues and manages prepaid payment instruments (digital wallet / Amazon Pay balance), operates digital payment rails including card and UPI acceptance on its platforms, and integrates with merchant checkouts via SDKs, APIs and web plugins. It also provides merchant services such as payment gateway processing, fraud detection and risk management, settlement and reconciliation, and developer tools to embed Amazon Pay into websites, mobile apps and point‑of‑sale systems. In addition to basic payment acceptance, the company works with financial institutions and lending partners to offer consumer credit products (including short‑term credit and buy‑now‑pay‑later options) branded under Amazon Pay in India. Main products and services: Amazon Pay (India) offers a suite of payment products for end users and merchants. For consumers, the company supports Amazon Pay balance (a prepaid instrument that can be topped up and used toward purchases and bill payments), saved card and bank account integrations, and QR code or UPI‑based payment options where available. It also participates in value‑added services that are exposed to consumers at checkout—promotions, cashback, and wallet‑backed incentives that make digital payments convenient on Amazon’s retail properties and partner sites. For merchants and developers, Amazon Pay provides payment gateway services and integration toolkits (APIs and SDKs) for web and mobile that enable card, net‑banking, UPI and wallet acceptance; merchant dashboards for transaction reporting and settlement management; anti‑fraud and KYC (know‑your‑customer) capabilities; and onboarding and merchant support services. The company also offers tailored solutions for recurring payments, in‑app purchases, and marketplace payouts. Technology and platform features: Amazon Pay (India) leverages software development kits, RESTful APIs and integration plugins to enable merchant acceptance of payments with minimal development overhead. The platform emphasizes secure tokenization of card details, encryption of payment data in transit and at rest, and integration with fraud‑management systems that analyze transaction signals to reduce chargebacks and illicit activity. The company builds for scale to handle high transaction volumes associated with large e‑commerce events and peak shopping periods, and supports reporting and analytics tools to help merchants monitor transaction flows and performance metrics. Where applicable, Amazon Pay integrates Amazon‑owned identity and account systems to enable a “one‑click” checkout experience for users with Amazon accounts. Regulatory and compliance posture: In India, digital payments and prepaid instruments are regulated by the Reserve Bank of India (RBI) and other national bodies. Amazon Pay (India) operates its prepaid instruments and payment services in accordance with Indian regulatory requirements, including compliance measures for customer authentication, anti‑money laundering (AML), and data protection as mandated for payment service providers and electronic wallets. The company partners with banks and regulated financial entities for settlement, credit underwriting and lending partnerships when offering consumer credit or deferred payment products. Customer segments and distribution: Amazon Pay (India) serves a dual customer base: consumers using Amazon Pay on Amazon’s retail properties and mobile applications, and merchants (from SMEs to large retailers and digital service providers) that integrate Amazon Pay to accept payments online and in physical locations. The service is distributed through Amazon’s consumer platforms, merchant integrations, partner ecosystems, and merchant onboarding programs that target e‑commerce sites, mobile apps, and offline acceptance through QR codes and PoS integrations. Partnerships and ecosystem: The company collaborates with banks, card networks, payment processors, and regulatory bodies to enable broad acceptance and settlement. For credit and buy‑now‑pay‑later products, Amazon Pay works with licensed financial institutions and non‑bank finance partners for underwriting and disbursal. It also partners with merchants, platforms and third‑party developers to extend acceptance beyond Amazon’s retail properties into the wider Indian commerce ecosystem. Security and risk management: A central focus for Amazon Pay (India) is transaction security and fraud mitigation. The company uses industry standard encryption, tokenization, multi‑factor authentication and monitoring systems to safeguard user funds and payment credentials. In addition, it implements merchant risk scoring, dispute workflows and compliance controls to align with industry best practices and local regulatory obligations. Business positioning: Amazon Pay (India) positions itself as a payments‑centric technology provider that enhances the checkout experience for Amazon customers and provides merchants with a turnkey set of payment acceptance and financial‑services features. By leveraging Amazon’s existing account base, customer trust signals and technology platform, the company aims to drive higher conversion rates for merchants while increasing digital payments adoption among consumers. Geographic and market context: The company is specifically focused on the Indian market and adapts Amazon Pay product features to local payment behaviors, supporting prevalent rails such as UPI and prepaid instruments, and complying with local regulatory requirements. Its offerings are intended to serve India’s fast‑growing digital payments ecosystem, which includes e‑commerce, bill payments, mobile recharges and point‑of‑sale acceptance across urban and increasingly digital tier‑2 and tier‑3 markets. Overall, Amazon Pay (India) Private Limited operates as the technology and service operator for Amazon’s payments proposition in India, combining consumer wallet functionality, merchant payment acceptance, developer tooling and partnerships with financial institutions to offer a comprehensive payments platform tailored to Indian users and businesses.