Chargeback Analyst

Tata Consultancy Services; Mumbai; On-site; INR 450,000 - 800,000; Full time

Job summary

Tata Consultancy Services in Mumbai is seeking a Chargebacks & Disputes Analyst to join our Banking Operations team. You will review and process card disputes and apply business rules to resolve complex cases.

Ideal candidates have 2–5 years in banking operations, strong analytical skills, proficiency in MS Office, and excellent written communication.

Qualifications

• 2-5 years of Banking Operations experience.
• Strong experience in Chargebacks and Disputes processing.
• Good understanding of Cards Operations.
• Excellent analytical and investigative skills.
• Proficiency in MS Office.
• Ability to work independently and in a team.

Responsibilities

• Review and process credit card disputes based on customer documentation and card association guidelines (Visa, MasterCard, AMEX, Discover, etc.).
• Apply business rules and judgment while handling complex dispute cases.
• Conduct investigations and evaluate supporting documentation.
• Refer cases for additional information when required.
• Perform General Ledger accounting, reconciliation, and account proofing activities.
• Track aged financial entries and ensure timely resolution.
• Ensure accurate MIS reporting and timekeeping.
• Maintain information security and confidentiality of sensitive customer data.
• Deliver high-quality customer service while minimizing operational losses.

Skills

Chargebacks processing

Disputes processing

Cards Operations

Analytical skills

Written communication

Attention to detail

MS Office

Typing speed

Independent & collaborative work

Education

Bachelor's Degree

Job description

Job Title: Chargebacks & Disputes Analyst

Experience: 2-5 Years

Location: Mumbai(Powai)

Qualification: Bachelor's Degree (Business, Finance, Accounting, or related field preferred)

Job Description

We are looking for experienced professionals with a background in Cards Operations, Chargebacks, and Disputes Management to join our Banking Operations team.

Key Responsibilities

• Review and process credit card disputes based on customer documentation and card association guidelines (Visa, MasterCard, AMEX, Discover, etc.).
• Apply business rules and judgment while handling complex dispute cases.
• Conduct investigations and evaluate supporting documentation.
• Refer cases for additional information when required.
• Perform General Ledger accounting, reconciliation, and account proofing activities.
• Track aged financial entries and ensure timely resolution.
• Ensure accurate MIS reporting and timekeeping.
• Maintain information security and confidentiality of sensitive customer data.
• Deliver high-quality customer service while minimizing operational losses.

Required Skills

• Strong experience in Chargebacks and Disputes processing.
• Good understanding of Cards Operations.
• Strong written communication skills.
• Excellent analytical and investigative skills.
• Attention to detail and accuracy.
• Ability to make effective decisions in complex scenarios.
• Proficiency in MS Office tools.
• Good keyboard and typing skills.
• Ability to work independently and collaboratively within a team.

Preferred Candidate Profile

• 2-5 years of experience in Banking Operations.
• Experience handling Visa, MasterCard, AMEX, and Discover dispute processes.
• Customer-focused and results-oriented mindset.
• Strong time management and organizational skills.
• Self-motivated with a proactive approach to problem-solving.