Analyst - Banking Operations (Credit Card Ops) at FC Global Services India LLP

FC Global Services India LLP (First Citizens India), a part of First Citizens BancShares, Inc., a top 20 U.S. financial institution, is a global capability center (GCC) based in Bengaluru. Our India-based teams benefit from the company’s over 125-year legacy of strength and stability. First Citizens India is responsible for delivering value and managing risks for our lines of business. We are particularly proud of our strong, relationship-driven culture and our long-term approach, which are deeply ingrained in our talented workforce. This is evident across all key areas of our operations, including Technology, Enterprise Operations, Finance, Cybersecurity, Risk Management, and Credit Administration. We are seeking talented individuals to join us in our mission of providing solutions fit for our clients’ greatest ambitions.

Job Description:

Value Preposition

1. Step into a pivotal role that merges regulatory precision with customer-centric excellence, where your analytical acuity and operational diligence directly influence the stability, compliance, and seamless performance of an essential banking function.

2. Join a dynamic environment where each action you take enhances client trust and operational resilience—offering not just a job, but a meaningful opportunity to shape the customer experience within a highly regulated, fast-paced financial landscape

Job Details

• Position Title:  Analyst

• Career Level:  P1

• Job Category: Associate

• Role Type: Hybrid

• Job Location: Bangalore  

About the Team:

This team functions as a cornerstone of post-transactional integrity, ensuring seamless reconciliation, timely settlements, and compliance with network and regulatory mandates.

By governing the operational heartbeat of card-based financial flows, it safeguards both institutional liquidity and client trust. Its work, though often behind the scenes, is indispensable to systemic resilience and financial finality. In essence, the team transforms operational precision into strategic value for the bank’s core infrastructure.

Impact

​​ ​Responsible for performing accounting support functions in support of all card products. This position provides operational support for a business unit by maintaining records or systems and ensuring compliance with all applicable regulations, policies and procedures for account maintenance.  Provides quality customer service for cardholders for debit and credit cards, for both internal and external customers, by maintaining records or systems accordingly, and in alignment with the service standards.   

Key Deliverables

• Accuracy and Attention to detail – Process high volumes of financial transactions, research several types of card products outages in response to branch request or other financial institution escalations and from reports while applying the right rules, regulations and procedures to ensure consistency and accuracy. Processing maintenance of Credit and Debit card, research and investigate requests received from our partners via different systems, emails and share point promptly. Support settlement team with processes such as research, fee refund or balance transfer requests.

• Organization and timeliness – Prioritize work to meet service level agreements for various bank partners. Identify and escalate complex issues or situations that require further analysis or investigations to systems team for assistance. 

• Initiative and continuous improvement – Identify and take part in implementing efficiencies to existing processes. You will aid the management team and department in various department initiatives or ongoing projects to resolve issues that arise for continuous improvement purposes. 

• Compliance – Compliance with all FCB regulatory training and ensure these programs and policies are applied consistently across the business. Personally responsible for compliance with all such regulatory and governance programs. 

• Cross-Platform Case Resolution- Respond promptly to requests received through multiple communication channels—including proprietary systems, email, and SharePoint—by synthesizing information, validating transaction paths, and delivering timely resolutions. 

• Operational Prioritization & SLA Adherence -Exercise sound judgment in workload triage, consistently aligning task execution with predefined service-level agreements. Escalate anomalies or unresolved cases to systems teams or management, providing clear documentation and contextual analysis. 

• Continuous Improvement & Strategic Participation- Actively identify inefficiencies and contribute to the redesign or streamlining of existing processes. Engage in departmental initiatives and transformation efforts, assisting leadership in driving sustainable enhancements across operational touchpoints. 

• Regulatory Compliance & Governance Alignment- Ensure full compliance with the FCB Regulatory Training Program and all applicable governance protocols. Uphold institutional standards through rigorous process discipline and consistent application of internal policies across business functions. 

• Documentation & Knowledge Stewardship- Maintain meticulous records of all investigative actions, case resolutions, and exceptions. Contribute to the development or refinement of operational documentation, standard operating procedures, and team-level knowledge assets. 

• Collaboration & Stakeholder Engagement- Interface professionally with internal departments, external financial institutions, and vendor partners to support seamless transaction processing and issue resolution. Demonstrate collaborative acumen while managing individual accountability.

Skills and Qualification

Functional Skills:

• Analytical Aptitude & Organizational Finesse: Demonstrates advanced analytical capabilities with a structured approach to problem-solving. Possesses strong organizational discipline and time management proficiency, essential for navigating concurrent, high-priority tasks in a volume-intensive environment. 

• Decisive Judgement Under Operational Pressure: Exhibits the ability to make prudent, time-sensitive decisions in fast-paced, risk-sensitive scenarios. Maintains composure under pressure and demonstrates proactive risk awareness by escalating potential issues to management with clarity and context.

• Collaborative Execution & Individual Accountability: Operates effectively both as an independent contributor and a cooperative team member. Ensures completion of daily, time-bound functions while maintaining alignment with team workflows and shared objectives. Escalates unresolved matters appropriately and constructively. 

• Domain Expertise in Banking & Payments: Preferably brings foundational knowledge of core banking operations, including card products, treasury services, deposit operations, and cash management. A working familiarity with settlement cycles, reconciliation practices, and transaction-level controls is advantageous.

• Communication Mastery & Stakeholder Engagement: Articulates ideas and resolutions with precision, professionalism, and audience awareness. Demonstrates strong verbal, written, and interpersonal communication skills, ensuring productive engagement with internal teams, external partners, and vendors.

• Adaptability, Initiative & Process Discipline: Thrives in dynamic environments requiring agility, self-direction, and adherence to evolving processes. Proactively identifies opportunities for improvement, adopts institutional best practices, and demonstrates accountability in the execution of assigned responsibilities.

Technical/Business Skills:

The successful candidate will exhibit a calibrated blend of technical proficiency, operational rigor, and business acumen essential to sustaining the accuracy, integrity, and efficiency of card operations and financial settlement workflows.

• Data Entry Precision & Transactional Accuracy: Demonstrates strong data entry capabilities with a meticulous focus on accuracy, consistency, and speed—fundamental in processing high-volume, high-value transactions without compromise to control standards. 

• Proficiency in Productivity Tools: Working knowledge of PC-based applications, including Microsoft Excel and Word. Must be comfortable navigating spreadsheets, performing reconciliations, drafting structured reports, and maintaining clear documentation across multiple cases. 

• Systems Familiarity & Functional Adaptability: Experience or adaptability with banking and settlement systems is preferred (e.g., Flexcube, card processing tools, reconciliation platforms). A strong learning orientation is expected to ensure quick acclimatization to proprietary tools and cross-functional workflows. 

• Work Schedule Flexibility: This role requires full willingness to work in night shifts and rotational shifts, aligned with business needs and global processing windows. Candidates must demonstrate reliability, adaptability, and operational commitment during extended coverage hours or peak periods.

• Degree/master’s degree in Banking and Finance

• 3-5 yrs. of Credit card and Debit card experience on Account services and Settlements

• US banking experience is a plus

Relationships & Collaboration

• Reports to: Manager / Sr. Manager

• Partners: Stake holders and cross functional teams

Accessibility Needs

We are committed to providing an inclusive and accessible hiring process. If you require accommodations at any stage (e.g. application, interviews, onboarding) please let us know, and we will work with you to ensure a seamless experience.

Equal Employment Opportunity

FC Global Services India LLP (First Citizens India) is an Equal Employment Opportunity Employer. We are committed to fostering an inclusive and accessible environment and prohibit all forms of discrimination on the basis of gender, religion, caste, disability, sexual orientation, economic status or any other characteristics protected by the law. We strive to foster a safe and respectful environment in which all individuals are treated with respect and dignity. Our EEO policy ensures fairness throughout the employee life cycle.