About Fintech Farm We are a UK fintech creating successful neobanks in emerging markets in partnerships with local traditional banks. The mission is to make banking services accessible, simple and fun to use worldwide and the goal is to launch neobanks in 50+ markets, serving 100m+ customers.
Since our foundation in 2020, we’ve so far launched neobanks in Azerbaijan (2021), Vietnam (2023), Kyrgyzstan (2024), India (2025), Uzbekistan (2025) and Morocco (2026), with around 4 million customers collectively and have more markets on the near horizon!
Why Fintech Farm is a great place to be Customers. We always go above and beyond to provide an amazing customer experience. And who said that banking has to be boring? We make our apps not just easy but fun to use. People. We have almost 300 employees and we’re all business partners in our company — each with stock options that give us a real stake in the business. As we grow and succeed, we all share in the upside. We work with strong individuals whom we empower and trust rather than micromanage. We always stay curious and open-minded.
About the role: We are looking for a Chargeback Analyst to own the full card dispute cycle across our markets. You will handle customer claims, manage chargebacks within Visa and Mastercard rules on both the issuer and acquirer side, and help us make the dispute process faster, more automated and more efficient.
What You Will Be Doing:
Handling customer claims on card transactions: disputed transactions, fraud, goods/services not received, duplicate charges, cancellations.
Managing the full dispute cycle in Visa and Mastercard: chargeback, representment, pre-arbitration, arbitration.
Working on both the issuer side (protecting cardholders) and the acquirer side (protecting merchants): analysing incoming chargebacks, preparing responses and evidence packages.
Preparing dispute letters and justifications, as well as responses to customers and merchants.
Monitoring deadlines under card scheme rules and internal SLAs.
Collaborating with processing, anti-fraud and accounting teams.
Analysing dispute statistics (loss rate, refunds, claim reasons) and preparing reports.
Improving processes: automation, admin panels, templates and procedures.
What you need to have:
2+ years of experience in claims or card disputes in a bank, fintech or processing company.
Knowledge of Visa rules (VCR, Dispute Conditions) and Mastercard rules (Chargeback Guide, reason codes).
Understanding of the card transaction lifecycle: authorisation, clearing, settlement, issuer and acquirer roles.
Hands-on experience with card scheme portals: Visa Resolve Online (VROL), Mastercom.
Ability to write well-argued dispute letters.
English at B1—B2 level or higher to read scheme rules and handle correspondence.
Strong attention to detail and the ability to manage a high volume of cases while meeting deadlines.
Analytical mindset and resilience under pressure.
Independence and the ability to defend your position based on the rules.
Openness to communicating with different teams.
What we are offering
Competitive salary is negotiable depending on the candidate’s level
Share options
We are still a start-up and more benefits are on the way
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