Dispute and Chargeback Specialist

Karachi - Pakistan

Monthly Salary: Not Disclosed

Posted on: 30+ days ago

Vacancies: 1 Vacancy

Job Summary

COMPANY OVERVIEW:

Our client a Karachi-based State Bank of Pakistan (SBP) regulated Electronic Money Institution (EMI) seeks to appoint an experienced professional for the following role:

Job Role

As a dispute and chargeback Specialist you must handle the complete process of payment disputes and chargebacks. This role involves investigating claims collecting necessary evidence liaising with banks and customers and working to reduce the companys financial losses. Strong skills in analysis organization and communication are essential to thoroughly examine cases meet deadlines and comply with card network regulations.

Key Responsibilities

Manage Cases: Handle chargeback and dispute cases from start to finish until resolution

Investigate Claims: Review transaction records customer interactions shipping details and service logs to assess the validity of disputes

Prepare Representments: Compile and submit detailed representment documents to acquiring banks and card networks such as Visa and PayPak to contest unjustified claims and recover payments

Coordinate Communication: Act as the main point of contact between internal departments (Customer Service Finance Sales) and external parties (payment processors banks customers) regarding chargeback matters

Analyze Data: Monitor and evaluate chargeback patterns reasons and outcomes to identify root causes and suggest improvements to prevent future disputes

Ensure Compliance: Follow all applicable rules and guidelines set by card networks throughout the dispute process

Improve Processes: Develop and implement measures to lower the companys chargeback rate and financial risk

Education:

Minimum 16 years of education in Accounting Business Administration Economics or a related field is often preferred. Certifications or training related to payments fraud prevention or chargeback management will be considered an added advantage.

Experience:

Minimum 3-4 years of professional experience preferably in a fintech or payment aggregator environment with at least 1-2 years of related functional experience in a similar role at an equivalent position. Familiarity with card network chargeback regulations and reason codes (e.g Visa MasterCard Pay Pak). Experience with CRM platforms like Salesforce payment processing systems and chargeback management tools. Prior involvement in analyzing chargeback trends preparing representments and reducing chargeback ratios.

Key Requirements

Analytical Ability: Strong skill in examining complex information and constructing well-supported cases
Attention to Detail: Careful and precise in preparing documentation and meeting strict deadlines
Communication: Clear and effective in both written and spoken communication including negotiation skills
Time Management: Efficient at handling multiple cases simultaneously and prioritizing tasks to meet tight deadlines
Problem-Solving: Creative and proactive in handling disputes and resolving difficult chargeback issues

Age

The candidate should preferably be not more than 33 years of age as of last date of submission of application.

If you have the required experience and educational qualification to take up the challenging role you are requested to apply by November 1 2025 at

Only shortlisted candidates will be contacted.

COMPANY OVERVIEW: Our client a Karachi-based State Bank of Pakistan (SBP) regulated Electronic Money Institution (EMI) seeks to appoint an experienced professional for the following role: Job Role As a dispute and chargeback Specialist you must handle the complete process of payment disputes...