Senior Analyst - Banking Operations

First Citizens India; Bengaluru; Hybrid; INR 900,000 - 1,300,000; Full time

Job summary

FC Global Services India LLP (First Citizens India) in Bengaluru seeks a Senior Analyst for Enterprise Loan Operations. You will support daily ops, manage collateral, and ensure accurate loan processing with internal partners.

The role requires 4–6 years in banking/financial services, strong communication, and attention to detail, with a hybrid work arrangement in Bangalore.

Qualifications

• Bachelor’s or higher in Commerce/MBA preferred; 4–6 years banking ops.
• Ability to multi-task and handle high volumes.
• Excellent written and verbal communication.
• Strong analytical and problem-solving skills.
• Detail-oriented with strong teamwork.

Responsibilities

• Support Global Operations daily activities and ensure SLA alignment.
• Maintain and reconcile collateral documents across systems.
• Process loan maintenance and onboard client loans.
• Review loan documents for accuracy and compliance.
• Prepare reports and perform quality assurance.
• Coordinate with stakeholders and internal business partners.
• Manage risk, governance activities, and control reports.

Skills

Multi-tasking

Communication

Analytical thinking

Stakeholder management

Attention to detail

Team leadership

Problem solving

Education

Bachelor’s/MBA in Commerce

Tools

MS Office

ACBS

LoanIQ

ALS

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.

Job Description

Value Preposition

• We are looking for a highly motivated, analytical, and positive analyst who can support FCB’s growth.
• You bring your real self to work, and you live our values - trust, teamwork, and accountability

Job Details

• Position Title: Senior Analyst – Enterprise Loan Operations
• Career Level: P2
• Job Category: Senior Associate
• Role Type: Hybrid
• Job Location: Bangalore
• Shift timings - 3.30 PM - 12.30 AM

About The Team

Responsible for processing expertise when performing the department’s daily operational tasks and when providing operational support to internal business partners and/or Clients. Responsibilities may include but are not limited to establishing and ongoing maintenance of accounts, loans, managing exceptions for several payment channels, researching or reconciling complex information. Collateral team is responsible to collect, record, manage, maintain and extend all the UCC and real estate related collateral.

Impact (Job Summary/Why This Role Matters)

This position provides operational support for a business unit in the execution of daily activities. Facilitates processes and associate workflow while ensuring compliance with all applicable regulations and policies. Maintains records or systems crucial for business operations. Answers email inquiries and resolve issues, updating department records or systems accordingly, in alignment with service standards and business

Key Deliverables

Duties and Responsibilities

Required

Performs assigned activities required to support Global Operations. Works independently and has proven expertise that is applied to the essential functions. Utilizes knowledge or resources to resolve complex issues; seldom encounters issues requiring escalation. General operations functions may include, but are not limited to:

• Work with Stakeholders to collect UCC/Flood Insurance & real estate collateral documents.
• Maintain & manage UCC/Flood Insurance and real-estate information.
• Reconciliation of collateral/Flood Insurance information against the origination & accounting systems.
• Tracking, verifying, and/or inputting information
• Reviewing accuracy/scrutinizing of information or loan documents
• Preparing reports
• Analyzing and researching items for resolution
• Processing transactions or resolving exceptions
• Provides daily loan maintenance to support client’s needs after the loan is boarded
• Performs advance requests and have a clear understanding of International Money Transfers, FED, DDA, process, review / approve wire requests, etc.
• Capable of processing and review of Interest changes, commitment amount, fees, etc.
• Apply collections to client’s loans
• Reviews loan documents
• Responsible for onboarding and maintaining client loans on multiple loan systems
• Prepare payment schedules and post payments to loan system
• Performs quality assurance
• Handles Letters of Credit boarding and maintenance
• Performs governance activities
• Provide client support and training
• Manage fee logs / Review Control Reports
• Completing and overseeing daily checklist ensuring all controls, procedures and processes relating to the assigned functions are followed
• Proactively managing operational risk inherent in business
• Ensuring all operational risk/issues are identified and mitigated appropriately and proactively
• Delivering transactions in agreed time - frames, as per SLA’s whilst improving quality of processing, reducing errors and inculcating the zero-error culture
• Lead plays a key role in creating an environment based on personal accountability, learning and growth across their team through consistent coaching and feedback, ensuring a smooth workflow with our internal business partners and takes the lead in resolving escalations, delegating clear assignments, establishing clear priorities for the team, motivating to meet and exceed performance expectations and identifying and adopting best practices for loan operations.
• Work with internal business partners and vendors as required. Accountability for understanding and adhering to bank policies, procedures, legal and compliance requirements are critical in this role.
• Will work with commercial loan operations managers or other senior GLO staff to research loan related inquiries, respond to internal and external requests for information, review and certify various reports, champion new initiatives, and encourage the sharing of key learning and best practices across work units.

Skills and Qualification

• Strong ability to multi-task, handle high volumes, and support cross-functional teams
• Excellent written and verbal communication skills with ability to convey information
• Proficient at independent research and solving complex scenarios
• Solid networking skills, strong ability to establish relationships with internal clients. Strong attention to detail
• Critical thinking with the awareness of knowing when to challenge or question
• Able to work in a transforming environment and be an ambassador for change
• Aptitude for following process and procedures
• Strong presentations skills and sharing of thought process
• Able to act as a Subject Matter Expert and leader for less experienced team members and work independently with Business Partners as a SME on projects and initiatives as assigned
• Management experience, team building experience.

Organizational Skills

• Thoroughness
• Technical Capacity/Ability to Work with Variety of Loan Accounting Systems
• Problem Solving/Analysis
• Accountability
• Time Management
• Flexibility
• Collaboration
• Fosters Team

Education And Experience

• Bachelor’s Degree/master’s degree (preferably Commerce/MBA)
• 4-6 years of professional related experience (banking/financial services industry, specifically commercial lending operations experience)

Technical/Business Skills

Expertise in MS Office tools Knowledge in reading and interpreting Loan Agreements Experience in Loan Servicing, UCC and real-estate information collateral management/monitoring. Hands on experience in ACBS, LoanIQ, ALS etc.

Relationships & Collaboration

• Reports to: Associate Director/Senior Manager, Enterprise Loan Operations
• Partners: Onshore teams and various business lines

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.