Lead Analyst - Credit Analytics

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

Join a high-visibility, mission-critical team acting as the central control point for all credit data issues across the organization. As a Lead Analyst, your primary responsibility will be to ensure that reporting teams can operate with full confidence in credit data. You will sit at the intersection of reporting, systems, data quality, and lending, driving root-cause analysis, defect validation, and resolution coordination.

This is a foundational role in a fast-growing function with strong executive visibility and a clear path to enterprise-wide impact.

Job Details

• Position Title:  Lead Analyst – Credit Analytics

• Career Level:  P3

• Job Category: Manager

• Role Type: Hybrid

• Job Location: Bangalore 

About the Team:

This position is part of the Credit External Reporting team created to support the Large Financial Institution (LFI) reporting requirements, and to ensure compliance with US GAAP and other regulatory agencies reporting instructions.

Impact

In this role, you will:

• Establish trust in credit data across reporting and business teams

• Ensure no data issue goes unidentified or unresolved

• Build and maintain a structured pipeline of defects to Data Quality and Systems teams

• Help scale a new function that will become enterprise standard

Your work directly reduces reporting risk, improves data accuracy, and strengthens decision-making across the organization.

Key Deliverables

Issue Intake & Triage

• Review and assessing incoming issues from reporting teams and stakeholders

• Ensure all issues are properly documented, categorized, and prioritized

• Identify impacted reports, systems, and business processes

Root Cause Analysis & Validation

• Conduct structured investigations into data discrepancies

• Trace issues across data pipelines, systems, and transformations

• Distinguish between:

  • Data defects

  • System issues

  • Business logic or process gaps

• Validate whether issues are true defects vs expected outcomes

Cross-Functional Coordination

• Partner with:

  • Systems teams (for pipeline and logic issues)

  • Data Quality teams (for data fixes)

  • Reporting and lending teams (for business context)

• Translate business problems into technical requirements and vice versa

Defect Classification & Routing

• Classify validated issues into:

  • System Fix

  • Operational Fix

  • Data Quality Fix

  • Other

• Ensure proper routing and ownership

• Track issues through resolution lifecycle

Pipeline & Workflow Management

• Maintain a consistent pipeline of validated issues for downstream teams

• Monitor SLA performance and follow through on open items

• Escalate stalled or high-risk issues

Documentation & Reporting

• Document:

  • Root cause

  • Impact analysis

  • Recommended actions

• Contribute to:

  • Bi-weekly triage forums

  • Status reporting and dashboards

Outreach & Engagement

• Participate in key stakeholder meetings

• Promote awareness of the CIDER function

• Actively identify new issue sources and intake channels

Skills and Qualification

Functional Skills:

• Bachelor’s degree in business, finance, analytics, technology and related fields

• Strong analytical reasoning abilities.

• Understanding of credit, risk and financial data environments

• Strong written and verbal communication skills

• Curiosity, initiative, and adaptability to work in a developing framework with limited preexisting processes.

• Collaborative mindset with the ability to coordinate across global and cross-functional teams.

Technical/Business Skills:

• Must be SQL and Excel (formulas, pivot tables, etc.) proficient, advanced is a plus

• Ability to research and propose reporting or data solutions on complex loan related accounting and reporting issues

• Experience with various reporting platforms (e.g. Tableau, Business Objects) a plus

• Experience solving problems using data and advanced analytic techniques to provide business insights

• Working knowledge of python is considered as good to have

• Possess the ability to resolve data quality challenges and build infrastructure with their technical counterparts to transform data from disparate sources into dashboards that will be used for reporting

• Provide support in making strategic data related decisions by analyzing, manipulating, tracking, internally managing and reporting data

• Drives creative, innovative ways to approach problems, processes and projects

• 6-8 years of relevant experience

Relationships & Collaboration

• Demonstrated ability to embrace and thrive in ambiguity and in an environment with shifting priorities

• Must be able to multi-task, work efficiently under tight deadlines and proactively track and report progress

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.