Card Chargeback Operations

4 days ago


Vijayawada, Andhra Pradesh, India beBeeDispute Full time ₹ 10,80,000 - ₹ 13,60,000
Chargeback Specialist & Dispute Resolution Analyst

This key role is responsible for minimizing financial losses for banks, merchants, and cardholders by implementing robust chargeback management processes, optimizing dispute resolution efficiency, and ensuring compliance with card scheme regulations.

Key Responsibilities:
  • Chargeback 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.
  • 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.
  • 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.
  • 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.
  • Compliance & Quality Monitoring:
    • Ensure adherence to Visa, Mastercard, JCB, CUP, Diners, and other card scheme chargeback regulations.

This role requires a strong understanding of chargeback management, dispute resolution, and process optimization.



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