Principal Analyst - Applied AI

First Citizens India; Bengaluru; Hybrid; INR 2,500,000 - 4,000,000; Full time

Job summary

FC Global Services India LLP (First Citizens India) in Bengaluru seeks a hands-on Principal Analyst - Applied AI to build data-driven AI and analytics solutions for a regulated financial services environment. You will prepare data, develop features and model components, and document artifacts for reliable deployment.

In this P4 role, you will evaluate performance, ensure governance, and collaborate with global AI teams to scale practical AI use cases while growing your technical independence and

Qualifications

• Bachelor's Degree with 4+ years in data science/advanced analytics/delivery of AI solutions.
• Hands-on proficiency in Python and SQL and experience with data preparation, modeling, and evaluation.
• Experience building and testing AI/analytics solutions in enterprise environments with governance.

Responsibilities

• Build, test, and document AI/analytics solution components under guidance.
• Prepare data, develop features, prototypes, prompts, and retrieval components.
• Execute evaluation plans and ensure quality, reproducibility, and governance.
• Collaborate with US and India teams to deliver practical, trusted AI solutions.

Skills

Git / Version Control

Python

SQL

GenAI

Education

Bachelor's Degree

Tools

Python

SQL

Job description

• Git / Version Control

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

• Develop deep technical expertise in data science, machine learning, advanced analytics, and Generative AI through hands-on delivery and mentorship from experienced practitioners.
• Help build foundational AI capabilities including evaluation frameworks, reusable assets, governance practices, and delivery methodologies that will shape the bank's future AI ecosystem.
• Gain exposure to enterprise-scale AI adoption, learning how innovation, risk management, governance, and business value come together in a regulated financial environment.
• Collaborate with global AI teams, partnering with U.S. and India-based experts to deliver practical, trusted AI solutions.

Job Details

• Position Title: Principal Analyst - Applied AI(Applied AI Analyst)
• Career Level: P4
• Job Category: Assistant Vice President
• Role Type: Hybrid
• Job Location: Bengaluru

About The Team

First Citizens Bank is building enterprise AI capabilities designed to last — ones grounded in real business value, sound data, and governance that enables adoption rather than obstructs it. Enterprise AI brings together data science, applied AI, Responsible AI, portfolio management, and technology and risk partnerships to translate AI potential into practical, trusted outcomes across the General Bank, Commercial Bank, and Enterprise Functions.

First Citizens India is a core part of this story, not a peripheral one. The team is being built at a formative stage — governance frameworks, delivery patterns, an enterprise AI platform, and portfolio management routines are all being established in parallel. The people joining FCI now will not simply receive a mature playbook to execute against; they will help build the reusable methods, technical assets, and operating practices that the bank's AI capability will depend on.

This P4 role is designed for a hands-on practitioner who is serious about developing deep technical craft — someone who wants to build real AI and analytics solutions in an enterprise environment, learn what rigor and governance mean in regulated financial services, and grow into increasing ownership over time.

Impact

Applied AI is most useful when it solves a real problem well. At First Citizens, we do not assume every problem requires generative AI, and we do not pursue new models simply because they are available. We use data science, machine learning, advanced analytics, and GenAI where each is appropriate — and we test rigorously whether the resulting solution is accurate, practical, and responsible.

The Applied AI Analyst (P4) provides hands-on build and execution capacity within the FCI Applied AI team. Working under the direction of the India delivery lead and senior P5 technical practitioners, this role prepares data, builds and tests solution components, develops technical artifacts, executes defined evaluation plans, addresses defects, and supports the disciplined progression of approved AI use cases from experimentation toward implementation.

This role is explicitly designed to build craft. At P4, the expectation is reliable, high-quality execution and growing technical independence. The most ambiguous design decisions, stakeholder commitments, delivery prioritization, and risk calls are ordinarily owned by senior team members — but that boundary moves as capability and judgment develop. The goal is for every P4 analyst to grow into the kind of practitioner who earns greater ownership through the quality of their work.

Key Deliverables

Hands-On Development and Technical Execution

• Build, configure, test, and document solution components for defined data science, machine learning, advanced analytics, and GenAI use cases under the guidance of the P5 senior analyst and India delivery lead.
• Prepare and analyze data; develop features, model prototypes, prompt configurations, retrieval components, test datasets, scripts, notebooks, code assets, and technical documentation as required by assigned work packages.
• Implement established solution designs and contribute observations and ideas for practical improvements in accuracy, efficiency, maintainability, testability, or reuse.
• Troubleshoot defects systematically, document assumptions and limitations clearly, and elevate issues promptly when data, platform, design, or control dependencies are blocking progress.

Testing, Evaluation, and Documentation

• Execute defined evaluation plans for AI and analytics solutions, including performance testing, quality checks, data validation, reproducibility verification, and activities that support ongoing monitoring.
• For GenAI use cases, help create or curate evaluation datasets and run tests for relevance, groundedness, retrieval quality, content safety, human review workflows, and task-specific quality expectations — under the guidance of the P5 senior analyst.
• Maintain complete technical artifacts, test results, model and solution documentation, and the evidence records needed to support delivery reviews and Responsible AI or risk checkpoints.
• Apply strong engineering hygiene: version-controlled code, clear and complete documentation, repeatable testing procedures, and secure and appropriate data-handling practices throughout.

Platform, Controls, and Reusable Capability

• Use approved data, development, and AI platform environments and support adoption of reusable patterns as the enterprise AI platform matures and makes more capabilities available.
• Follow defined governance, data management, security, and Responsible AI requirements in all development and testing activities.
• Contribute reusable code, test scripts, evaluation templates, technical documentation, and lessons learned that help the FCI Applied AI team improve its methods and efficiency over time.
• Participate actively in technical training sessions, peer code reviews, and knowledge-sharing practices across the Applied AI team.

Collaboration and Professional Growth

• Work effectively with the India delivery lead, P5 senior practitioners, and FCI team members — communicating status, test outcomes, blockers, technical questions, and recommended actions clearly and promptly.
• Engage with U.S.-based Enterprise AI colleagues primarily through the structured handoffs, documented outputs, and planned overlap windows established by the India delivery lead — contributing to efficient, low-friction global collaboration through the quality and completeness of your work products.
• Develop increasing technical independence, applied business understanding, and sound judgment about the appropriate use of analytics, ML, and GenAI methods in a regulated environment.
• Bring genuine curiosity, commitment to quality, and a collaborative approach to solving real problems — and actively seek feedback that accelerates your growth.

Skills And Qualification

Bachelor's Degree and 4 years of experience in Data management, information technology, financial services, enterprise risk management, or related disciplines with hands-on AI/advanced analytics delivery. OR High School Diploma or GED and 8 years of experience in Data management, information technology, financial services, enterprise risk management, or related disciplines with hands-on AI/advanced analytics delivery.

Functional Skills

Hands-on academic project, internship, or professional experience in data science, machine learning, analytics engineering, NLP, or GenAI solution development — with evidence of building and testing real solutions, not just coursework. Working proficiency in Python and SQL and exposure to common data science, machine learning, or GenAI libraries, notebook environments, and basic software development practices such as version control. Understanding of data preparation, model evaluation, test design, documentation practices, and basic monitoring concepts; experience with enterprise data or cloud environments is beneficial. Genuine interest in both conventional AI/ML and GenAI methods — with the intellectual honesty to select and evaluate methods based on what the problem requires, not what is most novel. Strong attention to detail, structured problem-solving approach, demonstrated willingness to learn and receive feedback, and the ability to collaborate effectively in a distributed global team. Clear written communication: the ability to describe technical work, test outcomes, assumptions, and blockers in a way that is useful to colleagues who were not in the room when the work was done.

Technical Skills

• Python
• SQL
• Machine Learning Fundamentals
• Generative AI / LLMs
• Prompt Engineering
• RAG Concepts
• Data Analysis & Feature Engineering
• Git / Version Control
• Model Evaluation & Testing

Relationships & Collaboration

• Reports to: Director
• Partners with: Global Enterprise Data Analytics Leadership

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.