Inside Razorpay’s RTO Model: The Engineering Behind its ML Lifecycle

Contributor: Abhik Debnath In this article, we use Razorpay’s Return to Origin (RTO) risk model to explain the ML lifecycle: how we build a reproducible release, deploy it into checkout, monitor its behaviour, and use later outcomes to evaluate whether it needs retraining. We connect these stages through one decision: whether cash on delivery should be available to a customer. A customer reaches…

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