Credit & Debit Exception Team Member

Process Overview*:

Credit & Debit Exception is a backend claims process which deals with rejected transactions of VISA & MasterCard. Transaction status and outstanding GLs are identified by the associate and disputes will be processed accordingly.

Job Description*:

Individual will be a contributing member of the Global Payments Team. Individual will be a contributing member of the Credit & Debit Exception Team. He/she would be responsible for processing claims pertaining to Credit and Debit Card incomplete transactions.

He/she will contribute towards the process BAU deliverables along with executing the Process Control framework and business priorities of the C&D.

Responsibilities*:

• Perform accurate and timely processing of claims while meeting productivity, quality, and service level targets.
• Ensure compliance with operational procedures, risk and control standards, and regulatory requirements.
• Analyze account activity, payment transactions, and supporting documentation to determine the appropriate course of action.
• Execute daily BAU (Business-As-Usual) activities while maintaining high levels of accuracy and customer impact awareness.
• Identify, escalate, and support resolution of process exceptions, system issues, and potential operational risks.
• Adhere to the Process Control Framework and support business priorities through effective risk management and operational excellence.
• Participate in training, cross-training, and knowledge-sharing initiatives to enhance individual and team capabilities.
• Support business resiliency efforts by maintaining proficiency across multiple work types and queues.
• Collaborate with internal partners, leadership teams, and stakeholders to achieve process goals and service delivery expectations.
• Contribute to continuous process improvement initiatives by identifying opportunities to enhance efficiency, quality, and controls.
• Maintain detailed documentation of case actions, research findings, and resolutions to ensure audit and compliance readiness.
• Demonstrate ownership, accountability, and sound judgment while handling sensitive customer and financial information.

Requirements*:

• Graduate or Postgraduate in any stream
• 2-4 years of experience
• Good understanding of Card Life Cycle
• Good communication skills, both verbal and written
• Proficient understanding of various operational risk and controls
• Excellent interpersonal skills
• Excellent business communication skills