Chargeback Analyst

6 days ago

Pune, Maharashtra, India Indiconnect Full time ₹ 5,00,000 - ₹ 12,00,000 per year

Job Title: Chargeback Analyst

Department:
Risk & Compliance

Location:
[Kharadi, Pune]

Experience Required:
1–3 years (minimum 2 years preferred)

Employment Type:
Full-time

Job Summary:

The Chargeback Analyst is responsible for managing and resolving chargeback cases raised by cardholders or issuing banks. The role involves investigating disputes, analyzing transaction data, preparing representments, and ensuring timely resolution to minimize financial losses and maintain compliance with card network rules.

Key Responsibilities:

  • Review and process chargebacks and disputes received from banks, payment aggregators, or card networks.
  • Analyze transaction details, order records, and communication logs to determine the validity of each dispute.
  • Prepare and submit representments with proper supporting documentation to defend valid transactions.
  • Monitor chargeback cases through their entire lifecycle and ensure closure within defined timelines.
  • Identify root causes of chargebacks and share preventive recommendations with relevant teams (e.g., Operations, Merchant Support, Risk).
  • Maintain detailed and accurate records of all chargeback activities in internal systems and dashboards.
  • Collaborate with merchants, banks, and internal teams to ensure smooth dispute resolution.
  • Track chargeback trends and prepare periodic reports on dispute volumes, win rates, and financial impact.
  • Ensure adherence to compliance, regulatory, and card scheme guidelines (Visa, Mastercard, UPI, etc.).

Required Skills and Qualifications:

  • Bachelor's degree in Finance, Commerce, Business Administration, or a related field.
  • Minimum
    2 years of experience
    handling chargebacks, disputes, or transaction risk in the payments or fintech industry.
  • Strong analytical and investigative skills with attention to detail.
  • Good understanding of payment gateways, card networks, and dispute processes.
  • Proficient in MS Excel, dashboards, and case management tools.
  • Excellent written and verbal communication skills.
  • Ability to multitask and work effectively under tight deadlines.

Preferred Skills:

  • Experience with payment aggregators, PSPs, or banks.
  • Knowledge of PCI DSS and regulatory compliance related to payment transactions.

Exposure to tools like Salesforce, Zendesk, or custom CRM systems

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