Fin Ops Executive - Chargeback & Dispute Specialist

Jobs at Olyv; Karnataka; On-site; INR 450,000 - 750,000; Full time

Job summary

Olyv, Inc. is seeking a detail-oriented Chargeback & Dispute Specialist to manage end-to-end chargeback and dispute lifecycles across gateways, banks and networks.

You will investigate transactions, prepare evidence packs, and handle representments, pre-arbitrations and arbitrations, while supporting onboarding for new MIDs. The role requires strong analytical skills, precise documentation, and collaboration with Finance, Operations, Engineering and Product teams to minimise losses and protect

Qualifications

• 1–2 years hands-on experience in chargebacks, representments, pre-arbitrations and arbitrations.
• Knowledge of card-network dispute regulations and workflows (Visa, Mastercard, RuPay, UPI).
• Strong analytical thinking and attention to detail.
• Clear documentation and written communication skills.

Responsibilities

• Manage end-to-end lifecycle of chargebacks, fraud claims and representments.
• Investigate transactions to build factual cases with supporting evidence.
• Prepare concise representment responses addressing reason codes.
• Manage pre-arbitration and arbitration cases to closure.
• Review refunds and fraud claims, ensuring accuracy against records.
• Coordinate with gateways, banks and networks on disputes and deadlines.
• Generate regular reports on dispute volumes, codes and outcomes.
• Collaborate with Engineering, Product and Operations to improve workflows.

Skills

Chargebacks/dispute handling

Representments

Pre-arbitrations/arbitrations

Data analysis

Excel

SQL

Documentation

Education

Bachelors degree in Finance/Commerce/Business Administration/Risk Management

Tools

Excel

SQL

Job description

1 to 5 Years

Full-Time

JOB DESCRIPTION

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
• 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 new lending partner and the seven new 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.
• 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.