Payment Disputes and Risk Officer/Merchant Risk Analyst

Payment Disputes and Risk OfficerLocation-Bangalore.Package-4 to 10lpa (As per Profile)Experiene-1-8 years.Working Hours- Flexible/Rotational Graduates CompulsoryFACE TO FACE INTERVIEW AT BANGALORE LOCATION ON 23RD AND 24TH JULY 2026. Only International Australia Card Disputes experience Key Responsibilities Administer chargeback and direct debit claim processes in line with scheme rules and internal policies.Respond to merchant, banking partner, and stakeholder dispute-related enquiries.Review and investigate transaction disputes, fraud alerts, and suspicious activities.Monitor merchant transaction activity and escalate potential risks where required.Support risk investigations and periodic merchant reviews.Ensure timely responses to payment schemes to maximize recovery and minimize losses.Assess merchant activity for risk, compliance, and acceptability.Collaborate with internal teams and external partners on dispute and fraud matters.Contribute to process improvements and operational efficiency initiatives. Knowledge & Skills Preferred Strong understanding of payment disputes, chargebacks, fraud prevention, and risk management.Excellent analytical, problem-solving, and attention-to-detail skills.Ability to interpret transactional data and identify unusual activity patterns.Strong verbal and written communication skills.Ability to work independently and manage multiple priorities.Knowledge of payment industry regulations, card schemes, and dispute processes.Strong stakeholder engagement and customer service capabilities. Business Performance Timely and accurate processing of chargebacks and claims.Achievement of dispute resolution and recovery targets.Effective identification and escalation of fraud or suspicious activities.Compliance with SLAs, payment scheme requirements, and internal policies.Reduction in financial losses from disputes and fraudulent transactions.Continuous improvement contributions to team processes and procedures. Client Management Deliver professional and timely support to merchants and financial institutions.Maintain strong relationships with merchants, banking partners, and internal stakeholders.Communicate dispute outcomes, risk findings, and required actions clearly.Support merchants in resolving disputes and preventing future payment fraud.Provide guidance on chargeback and claims management processes. Skills Excellent written and verbal communication skills.Ability to analyses transaction data and make risk-based decisions.Knowledge of fraud detection, transaction monitoring, and card payment ecosystems. Competencies that will be Assessed: Leadership & People Management.Strategic & Business Acumen.Interpersonal & Communication Skills. Educational / Professional Qualifications Bachelors degree in business, Commerce, Finance, Accounting, Risk Management, or a related field.Experience in payment disputes, chargeback management, fraud prevention, risk operations, or financial services.Preferred experience within Payments, FinTech, Banking, Merchant Acquiring, or E-commerce sectors.Relevant certifications in Fraud Prevention, Risk Management, Compliance, or Payments are advantageous. Work Environment: Location: Bangalore (with collaboration across U.S time Zone)Mode: Work from Office. Key Responsibilities Conduct merchant due diligence, background checks, and risk assessments.Review credit reports, financial statements, and transaction histories.Monitor merchant transactions for fraud, chargebacks, and unusual activity.Recommend merchant approvals, limits, reserves, or risk mitigation measures.Investigate fraud cases, policy breaches, and risk-related incidents.Collaborate with Sales, Onboarding, Banking Partners, and Merchants.Ensure adherence to risk, compliance, and underwriting standards.Prepare risk reports and escalate high-risk cases when necessary. Knowledge & Skills Preferred Strong analytical, problem-solving, and investigative skills.Knowledge of payments, e-commerce, fraud prevention, and credit risk.Ability to analyze financial and transactional data.Excellent communication and stakeholder management skills.Proficiency in data analysis and risk monitoring tools.Ability to work independently in a fast-paced environment. Business Performance Accuracy and quality of risk assessments.Reduction in fraud losses and chargeback rates.Timely completion of merchant reviews and investigations.Compliance with risk policies and regulatory requirements.Effective identification and mitigation of merchant risks. Client Management Maintain positive relationships with merchants and business partners.Communicate risk decisions and compliance requirements clearly.Support merchants through risk reviews and remediation activities.Balance customer experience with risk and compliance objectives. Merchant Risk Analyst Educational / Professional Qualifications Bachelors degree in finance, Commerce, Business Payme