Associate – Cards Operations

Mashreq

. Manage day-to-day chargeback processes and resolve cases timely .

Posted 11/12/2026full-timeRemote • IndiaJuniorMid-LevelWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in managing chargeback processes, including reconciliation, compliance, and merchant onboarding. Proficient in financial reporting and analysis, with strong analytical and communication skills to support merchant relationships.

Highest-signal resume keywords

Chargeback ManagementMerchant Onboarding ProceduresFinancial ReportingAnalytical ThinkingMS Office Tools

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Chargeback ProcessesFunds-Position ReconciliationGL PostingsDispute AnalysisAccounting Systems ExaminationKYC DocumentationCompliance ApprovalCard Management System ExperiencePolicy DevelopmentWorkflow Efficiency Improvement

Soft Skills

Good Communication SkillsInterpersonal SkillsAnalytical Thinking

Tools & Technologies

MS Office ToolsMIS Reporting

Industry Keywords

Cards DomainBanking ExperienceInternal ControlsCard-Scheme RequirementsRegional Switch Regulations

About the role

Key responsibilities & impact

Manage day-to-day chargeback processes and resolve cases timely
Initiate appropriate reason codes for successful chargebacks
Represent merchant cases with supporting documentation and follow up for required documents
Defend merchants from chargebacks through proactive alerts and effective training
Perform daily funds-position reconciliation, balancing, and corrective actions
Prepare and submit accurate GL postings; analyze disputes, reversals, exceptions, and variations
Design chargeback reports and analyses with recommendations and conclusions
Develop and implement policies and procedures for financial reporting, monitoring, analysis, and merchant training
Examine accounting systems and operations and improve procedures to increase workflow efficiency and reduce costs
Develop chargeback-account reconciliation controls and publish monthly MI on process effectiveness
Respond to merchant queries, complaints, and service requests
Monitor daily rejects and processing within settlement timeframes to prevent financial loss
Ensure compliance with internal controls, card-scheme requirements, regional switch regulations, and bank procedures
Pre-screen merchant onboarding documents, including merchant agreements, KYC documents, trade licences, MOA, passports, IDs, and board resolutions
Verify document completeness and accuracy against onboarding checklists
Perform system-related and negative checks
Raise exceptions and obtain compliance approval where required

Requirements

What you’ll need

Knowledge of general banking with good experience in merchant onboarding procedures and the local policies
1-3 years of cards domain/multi-discipline banking experience
Good communication skills (both written & verbal)
Good analytical thinking/interpersonal skills
Strong knowledge on MS Office tools, MIS reporting and analysis
Hands on experience in any card management system

Benefits

Comp & perks

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