Card operations and chargeback associate

4 weeks ago

Kolkata, West Bengal, India TriOptus Full time

Title: Senior Associate - Retail Banking Ops-Cards Operations Issuing

Duration: 6 months

Type: CONTRACT and REMOTE

Objective:

To minimize financial losses for the bank, merchants, and cardholders by implementing robust chargeback management processes, optimizing dispute resolution efficiency, and ensuring compliance with card scheme regulations.

Key Strategies & Responsibilities

1. Chargeback & Dispute Management

  • Handle daily chargeback cases promptly to minimize financial exposure for the bank, merchants, and cardholders.
  • Investigate disputes thoroughly and ensure accurate documentation to defend against unwarranted chargebacks.
  • Identify trends and root causes of disputes, recommending corrective actions to acquiring merchants and internal teams.

2. Dispute Loss Reduction

  • Analyze dispute data to identify high-risk merchants, transaction types, or patterns leading to chargebacks.
  • Collaborate with merchants to implement fraud prevention tools, transaction verification processes, and best practices to reduce disputes.
  • Share regular insights with stakeholders to improve dispute win rates and reduce loss ratios.

3. Process Optimization & Risk Control

  • Design, implement, and continuously improve operational processes for chargeback handling and dispute resolution.
  • Maintain strong financial controls, ensuring compliance with internal risk policies and regulatory requirements.
  • Balance risk mitigation with service delivery to protect profitability while ensuring positive merchant and cardholder experience.

4. Cross-Functional Collaboration

  • Partner with product, promotions, and operations teams to assess risk impact of new initiatives and campaigns.
  • Provide input during product design and rollout to ensure risk controls are embedded from inception.
  • Support business decisions by presenting data-driven insights and risk impact assessments.

5. Compliance & Quality Monitoring

  • Ensure adherence to Visa, Mastercard, JCB, CUP, Diners, and other card scheme chargeback regulations

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