Payments & Cards SME Lead – Disputes Management

Role Overview

We are looking for a Payments & Cards SME Lead with solid hands-on expertise in banking, card payments, and dispute management to drive the design and development of an end-to-end Disputes Management lifecycle .

The ideal candidate will bring deep functional knowledge of Visa and Mastercard dispute processes, payment network APIs, card transaction flows, payment codes, and industry standards , and will work closely with product, engineering, and client teams to translate payment-domain requirements into scalable technology solutions.

Key Responsibilities

- Own the payments and cards domain expertise for the Disputes Management platform.
- Define and validate the end-to-end card dispute lifecycle , including:
- Dispute initiation
- Classification and reason-code mapping
- Documentation and evidence validation
- Representment
- Pre-arbitration / arbitration
- Network submission
- Network responses and rejects
- Final resolution and closure
- Provide functional expertise for Visa and Mastercard dispute processes and integrations .
- Guide engineering teams on Visa and Mastercard API integrations , including request/response structures, validations, error handling, status management, and network-specific workflows.




- Translate network rules and payment-domain requirements into product requirements, business rules, workflows, and acceptance criteria .
- Provide expertise on card transaction lifecycle, authorization, clearing, settlement, chargebacks and disputes .
- Ensure correct interpretation and usage of ISO payment/message codes, card transaction codes, dispute reason codes and network-specific codes .
- Provide guidance on PCI DSS requirements and ensure relevant payment-data handling considerations are incorporated into the solution.
- Work with architects and developers to identify domain and integration dependencies across banks, processors, card networks and payment systems .
- Review and validate dispute workflows, API specifications, business rules and solution designs from a payments-domain perspective.
- Support analysis of network responses, rejects, exceptions and edge cases and help define appropriate system handling.
- Stay current with changes in Visa/Mastercard rules, dispute regulations, APIs and payment industry standards .
- Act as the primary Payments SME for client discussions, requirement workshops, solution walkthroughs and domain-level clarifications.
- Mentor product managers, business analysts and engineering teams on cards, payments and disputes .

📌 Payments & Cards SME Lead – Disputes Management (Bangalore Metropolitan Area)
🏢 ThoughtFocus
📍 Bangalore Metropolitan Area