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 companys 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, youll have the opportunity to be more than just an Associate, youll be a trusted partner in safeguarding the Banks 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.Growth opportunities: 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: Associate, Credit Analysis - CABCareer Level: S4Job Category: SpecialistRole Type:



HybridJob 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 Associate 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 4872 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 .

📌 Associate - Credit Analysis CAB (Bengaluru)
🏢 First Citizens India
📍 Bengaluru