Analyst – Credit Analysis CAB

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 Proposition

At First Citizens India, you’ll have the opportunity to be more than just an analyst, you’ll be a trusted partner in safeguarding the Bank’s credit portfolio.

• Global Exposure: Collaborate directly with Senior Credit and Risk professionals in the U.S., gaining insights into global credit practices.
• Impactful Work: Play a critical role in monitoring a multi-billion-dollar credit portfolio, helping the Bank stay resilient and client-centric.
• Career Growth: Build your expertise in Credit analysis while having access to structured learning, mentorship, and opportunities to move into leadership roles.
• Innovation at Scale: Be part of a team driving process improvement and technology adoption in Credit monitoring.
• Culture of Stability & Growth: Join a Bank that has thrived for over 125 years, balancing stability with continuous growth and innovation.

Job Details

• Position Title: Analyst, Credit Analysis - CAB
• Career Level: P1
• Job Category: Associate
• Role Type: Hybrid
• Job Location: Bengaluru, Karnataka

About the Team:

We are a diverse and highly skilled team of credit professionals specializing in credit origination, underwriting, portfolio monitoring, and risk management. The team provides enterprise-wide portfolio oversight across multiple sectors, including Technology, Healthcare, Global Fund Banking, Commercial Real Estate (CRE), Medical Office Buildings (MOB), Wine, Community Development Finance (CDF), and Community Association Banking (CAB). Our coverage spans Innovation Banking, Commercial Finance, and General Banking businesses, ensuring robust portfolio governance, risk oversight, and insightful portfolio analytics.

Impact

The Community Association Banking business serves 1,350+ management companies and 41,000+ homeowner associations (HOAs) through specialized banking, lending, reserve management, and technology-enabled solutions that promote financial strength, operational efficiency, and long-term growth.

As an Analyst – Credit Analysis CAB at First Citizens India, you will play a critical role in supporting the Community Association Banking (CAB) business through the timely generation, validation, and distribution of customer statements for the Earnings Credit and Revenue Share programs. This is a high-volume, time-sensitive process governed by strict service-level agreements (SLAs), requiring statement delivery to customers within 48–72 hours of generation.

In addition to managing statement operations, you will partner closely with U.S.-based stakeholders and global credit teams to support portfolio monitoring activities (Small Dollar Loans), reporting, process improvements, and risk management initiatives.

Key Deliverables

Statement Generation & Client Communications

• Support the end-to-end monthly generation, review, and distribution of Earnings Credit and Revenue Share customer statements.
• Create and deliver customized client-facing reports and statements for select customers based on business requirements.
• Monitor shared mailboxes for customer inquiries and coordinate with U.S. stakeholders to ensure timely resolution.
• Monitor statement availability through shared repositories and ensure timely dissemination to customers within established SLAs.
• Utilize customer contact databases and shared mailboxes to distribute statements accurately and securely.

Portfolio Monitoring & Reporting

• Prepare recurring and ad-hoc management reports providing insights into portfolio activity, client trends, operational metrics, and emerging risks.
• Analyze and validate data from multiple sources, applying strong analytical and problem-solving skills to identify inconsistencies and drive resolution.

• Support portfolio monitoring, risk management and reporting activities across CAB and other assigned portfolios, as required.

Risk Management

• Consistently deliver high-quality output while managing high-volume workloads and competing priorities.
• Ensure compliance with established procedures, controls, and risk management requirements.

• Maintain high standards of accuracy, data integrity, and operational quality.
• Escalate issues, exceptions, and control concerns in a timely manner.

Stakeholder Management

• Build and maintain effective relationships with global stakeholders through clear communication, responsiveness, and professionalism

• Partner closely with U.S.-based credit, operations, and business teams to support operational and reporting requirements.

Required Qualifications

• Bachelor’s degree in finance, Accounting, Business Administration, Commerce, or a related discipline.
• 1–3 years of experience in banking, financial services, portfolio monitoring, consumer lending, wealth management, reporting, client servicing, or related analytical functions.
• Experience working in a high-volume operational environment with strict turnaround requirements and service-level commitments.
• Strong understanding of banking products, financial reporting, and operational processes preferred.
• Experience supporting U.S. banking, credit, treasury, or commercial banking functions is an advantage.

Required Skills & Competencies

Technical Skills

• Advanced proficiency in Microsoft Excel (Pivot Tables, Lookups, Data Validation, Reporting, etc.).
• Strong data analysis, reconciliation, and reporting capabilities.
• Experience working with large datasets and multiple source systems.
• Proficiency in Microsoft Office applications, particularly Excel, PowerPoint, and Outlook.

Analytical & Problem-Solving Skills

• Strong attention to detail and commitment to data accuracy.
• Ability to identify anomalies, investigate issues, and recommend solutions.
• Strong organizational and prioritization skills with the ability to manage multiple deadlines.

Communication & Stakeholder Management

• Excellent written and verbal communication skills.
• Ability to interact professionally with global stakeholders and clients.
• Strong collaboration and relationship-management skills.

Behavioral Competencies

• Ownership mindset with strong accountability for deliverables.
• Ability to work independently while contributing effectively within a team environment.
• Continuous improvement mindset focused on efficiency and innovation.
• Ability to perform effectively under tight deadlines and high-volume workloads.

Relationships & Collaboration

The role involves working with the Credit Analysis team, reporting to the Credit Analysis Manager. This role will have a comprehensive training across credit analysis processes, owning and managing an independent portfolio and collaboration with the lending team and other stakeholders. This role also requires strong communication and teamwork skills are essential.

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.