Payments & Cards SME Lead – Disputes Management

Role Overview

We are looking for a Payments & Cards SME Lead with robust 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 disput

📌 Payments & Cards Sme Lead – Disputes Management (Yelahanka)
🏢 ThoughtFocus
📍 Yelahanka