Core Responsibilities and Accountabilities:
Manage the end-to-end chargeback and dispute lifecycle, including case review, evidence validation, submission, representment, pre-arbitration and closure. Monitor case deadlines and ensure chargeback actions are completed within applicable payment-scheme timeframes and internal service standards. Review transaction data, supporting documents and customer claims to determine the correct dispute reason and required action. Perform daily clearing and settlement activities for card transactions and verify the accurate movement of funds. Reconcile settlement files, bank accounts, general-ledger entries, and scheme reports; investigate and resolve breaks, mismatches, and aged items. Coordinate with Finance, Operations, Technology, Risk, Fraud, Customer Service, merchants, processors, and other relevant parties to resolve exceptions. Monitor fees, reversals, adjustments, reject items and operational losses, and escalate material issues promptly. Maintain accurate case records, reconciliation logs, supporting evidence, and audit-ready documentation. Prepare daily, weekly, and monthly reporting on dispute volumes, recovery outcomes, outstanding cases, settlement breaks, ageing, and root causes. Identify process gaps and recurring issues, recommend practical improvements and support implementation of agreed controls. Develop or update operating procedures, checklists and process documentation for chargeback and settlement activities. Provide knowledge transfer and practical coaching to the client bank team members during the assignment.

Knowledge and Experience:
5-8 years' hands-on experience in chargebacks, card disputes, clearing and settlement within a bank, payment processor, fintech, or card-services environment. Practical understanding of issuer and/or acquirer dispute operations and the full card-transaction lifecycle. Experience investigating settlement differences and performing financial reconciliations. Working knowledge of international card-scheme rules, dispute reason codes, evidence requirements, and processing timelines. Ability to interpret transaction files, operational reports, scheme reports and general-ledger entries. Strong attention to detail, numerical accuracy, ownership, and follow-through. Proficiency in Microsoft Excel and operational reporting; experience with dispute-management, card-processing or reconciliation platforms is an advantage.

Mandatory Skills:
Bachelor's degree in Finance, Economics, Business Administration, Computer Science, Information Technology, or a related field (Master's preferred). Previous experience within Banking, Digital Payment & Card solutions, or the FinTech industry. Regional experience, including working in a faced-paced matrix organisation. Excellent communication skills in English (written, verbal, and presentation); Arabic preferred.

Preferred Skills:
The ability to analyse data, troubleshoot payment issues, optimize processes, and make data-driven decisions. Good understanding of payment systems, digital platforms, system workflows, security basics, and industry technologies. An understanding of regional regulations across financial services or payment networks.

Desired Candidate Profile

• Mandatory Skills: Bachelor's degree in Finance, Economics, Business Administration, Computer Science, Information Technology, or a related field (Master's preferred).
• Previous experience within Banking, Digital Payment & Card solutions, or the FinTech industry.
• Regional experience, including working in a faced-paced matrix organisation.
• Excellent communication skills in English (written, verbal, and presentation); Arabic preferred.
• Preferred Skills: The ability to analyse data, troubleshoot payment issues, optimize processes, and make data-driven decisions.
• Good understanding of payment systems, digital platforms, system workflows, security basics, and industry technologies.
• An understanding of regional regulations across financial services or payment networks.