Chargeback & Dispute Specialist – Payment Reconciliation

Function: Payments / Finance Operations

Role Overview

We are seeking a detail-oriented Chargeback & Dispute Specialist to manage the end-to-end chargeback and dispute lifecycle for our payments business. The role covers dispute investigation, representments,

pre-arbitrations and arbitrations, and refund-related disputes across payment gateways, acquiring banks and card networks.

The successful candidate will work with payment gateways, acquiring banks and card networks

(including Visa, Mastercard, RuPay and NPCI-related payment flows) to prepare evidence, meet scheme deadlines, minimise financial losses and protect business revenue. The role will also support the onboarding of a new lending partner and seven newly added Merchant IDs (MIDs), ensuring disputes raised against these MIDs are tracked and handled correctly from day one.

Key Responsibilities

Dispute and chargeback management

- Manage the end-to-end lifecycle of service chargeback disputes, fraud claims and representments, from notification to final outcome.
- Review each dispute, identify the reason code and decide whether to accept the claim or contest it.
- Ensure accurate documentation and submission within the applicable scheme deadlines.
- Maintain a complete, auditable record of every dispute, including evidence submitted, dates,

status and outcome.

Representment and evidence preparation

- Investigate transactions across payment gateway data, internal ledgers and customer or loan records to build the factual case.
- Compile clear evidence packs, such as proof of service or repayment, customer authorisation,

communication logs and transaction details.

- Prepare concise, well-supported representment responses that address the stated reason code directly.

Pre-arbitration and arbitration





- Manage pre-arbitration and arbitration cases by compiling complete evidence dossiers.
- Prepare clear, well-supported arguments to contest invalid claims and track each case to closure.
- Escalate high-value or complex cases to the hiring manager and Finance stakeholders in good time.

Refunds and fraud claims

- Review refund-related disputes and fraud claims, and confirm refund status and amounts against gateway and ledger records.
- Identify refund variances and coordinate corrections with payment gateway partners.

Partner coordination

- Coordinate with payment gateways, acquiring banks and card network contacts on dispute status, deadlines and evidence requirements.
- Support the current lending partner and the seven recent MIDs by tracking disputes per MID and keeping clear records for each.

Reporting and loss analysis

- Prepare regular reports on dispute volumes, reason codes, win and loss rates, financial exposure and ageing for Finance and Operations.
- Analyse trends to identify the root causes of chargebacks and recommend preventive actions.

Process improvement

- Work with Engineering, Product and Operations teams to improve evidence capture, dispute workflows and data feeds.
- Contribute to standard operating procedures and checklists for dispute handling.

Required Qualifications and Skills

- Experience: 1–2 years of hands-on experience in chargebacks, representments, pre-arbitrations and arbitrations, preferably in FinTech, e-commerce or payment gateways.




- Payment and dispute knowledge: Understanding of card-network dispute regulations and workflows, including Visa, Mastercard, RuPay and UPI-related payment flows, as well as payment refund processes.
- Analytical skills: Strong analytical thinking and investigation skills, with close attention to detail.
- Communication: Strong documentation and written communication skills, able to present a case clearly and concisely.
- Technical skills: Working proficiency in Excel (including VLOOKUP and Pivot Tables) and SQL for pulling and checking transaction data.
- Education: Bachelors degree in Finance, Commerce, Business Administration, Risk Management or a related field.

Preferred Qualifications

- Experience handling disputes for a lending, loan-repayment or collections business.
- Familiarity with chargeback management tools or gateway dispute dashboards.
- Exposure to multi-MID setups and to onboarding a new partner or merchant.
- Basic understanding of payment gateway settlement cycles and fee deductions.

Key Competencies

- Meets deadlines reliably and works well under time pressure.
- Methodical and accurate, with a habit of checking evidence before submission.
- Clear written communicator who builds persuasive, factual arguments.
- Works collaboratively with external partners and internal Finance, Operations, Engineering and

Product teams.

- Takes ownership of cases and follows them through to closure.

Key Focus Areas

- Timely and accurate dispute handling within applicable scheme deadlines.
- Strong evidence quality and a high rate of successful representments.
- Early identification of chargeback trends and fraud patterns, with clear loss reporting.
- Clear, consistent dispute reporting for the new lending partner and the seven new MIDs.

📌 Fin Ops Executive - Chargeback & Dispute Specialist (Bengaluru)
🏢 Jobs at Olyv
📍 Bengaluru