Manager - Credit Analysis

SIG - India Global Delivery Center; Bengaluru; Hybrid; INR 1,100,000 - 1,600,000; Full time

Job summary

First Citizens India is seeking a Manager, Credit Analysis SBA to lead a diverse team in Bengaluru. You will oversee SBA Express loan origination support, eligibility reviews, and credit analysis activities, coordinating with U.S.-based lenders and partners to ensure timely processing and adherence to SBA guidelines.

This role combines people leadership, risk oversight, and operational management. You will drive process improvements, monitor service levels, and ensure high-quality credit

Qualifications

• Managerial leadership in Credit Analysis
• Experience with SBA Express lending workflows
• Stakeholder management with US teams

Responsibilities

• Lead a team of credit professionals in SBA Express loan lifecycle
• Oversee loan eligibility reviews and credit analysis activities
• Ensure adherence to SBA guidelines, bank policies and risk management standards
• Drive process improvements and monitor service levels across the team

Job description

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.

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: Manager, Credit Analysis SBA

Career Level: L1

Job Category: Manager

Role Type:Hybrid

Job Location:Bengaluru, Karnataka

About the Team: Credit Analysis

We are a diverse and highly skilled team of Credit professionals, experienced in Origination, Underwriting, and end-to-end Portfolio Monitoring.

Our team specializes in Technology & Healthcare Accelerator & Growth, Corporate Banking, Sponsor Finance, Fund Banking, Commercial Real Estate (CRE), Healthcare - Medical Office Building (MOB), Wine, Community Assistance Banking (CAB), and Community Development Finance (CDF) loans monitoring across Innovation Banking, Fund Banking, Commercial Finance and General Bank. Additionally, the team supports the Centralized Cash Management Team (CCMT). Team works closely with US-based Credit Solutions team, Credit Officers, and Portfolio Managers to perform monthly, quarterly & annual monitoring of the loans.

The Small Business Administration (SBA) Express Credit Analysis & Sales Support team supports the Bank's SBA Express lending program by facilitating efficient loan origination, underwriting support, eligibility reviews, and credit analysis activities. The team works closely with U.S.-based bankers, SBA specialists, credit officers and operations partners to ensure timely loan processing while maintaining adherence to SBA guidelines, Bank policies and risk management standards

Impact

As a Manager in the SBA Support team at First Citizens India, you will lead a team of credit professionals responsible for supporting the Bank's SBA Express lending program and ensuring the delivery of high-quality credit analysis, loan eligibility reviews, and operational support. You will play a critical role in enabling sound lending decisions, maintaining portfolio quality, and ensuring adherence to SBA guidelines, Bank policies, and risk management standards.

This role combines people leadership, credit risk oversight, operational management, and stakeholder engagement responsibilities. You will oversee the end-to-end SBA Express support function, drive process excellence, monitor performance and service levels, and partner closely with U.S.-based lending, SBA, credit, and operations teams to support business growth while maintaining strong risk and control practices.

You will also partner closely with U.S.-based lending, credit and operations teams to strengthen portfolio performance, drive process efficiency and support the Bank's growth objectives.

Key Deliverables

As a Senior Analyst, you will work closely with U.S.-based Business Bankers, SBA Lending Specialists, Credit Officers, and Operations teams to support the end-to-end SBA Express loan lifecycle

• Provide oversight and guidance on complex SBA Express loan applications, credit analysis reviews, and eligibility assessments
• Review exception requests, unusual credit situations, and elevated risk transactions requiring management judgment or escalation
• Ensure consistent application of SBA SOP requirements, underwriting standards, and Bank credit policies across the team.
• Oversee the end-to-end SBA Express loan support process, including application intake, eligibility verification, credit analysis sup