Associate / Sr. Associate - Credit card Operations

Mumbai/chennaiFull-timesenior

OtherAssociate

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Overview

About us Build the future of banking. Zeta is a next-generation banking technology company providing cloud-native, fully stackable processing and core banking platforms for issuers.

Technical Tools

OtherAssociate

About us

Build the future of banking.

Zeta is a next-generation banking technology company providing cloud-native, fully stackable processing and core banking platforms for issuers. With a focus on scalability, compliance, and innovation, Zeta empowers financial institutions to modernize their technology infrastructure and deliver secure, seamless digital banking experiences.

Our impact runs at real-world scale. Today, over 25 million cards are live on Zeta-powered platforms across 7 countries, supported by a passionate team of 1,700+ Zetanauts across India, the US, EMEA, and Asia. Backed by SoftBank Vision Fund, Mastercard, and other reputed strategic investors, we reached a valuation of $2 billion in 2025.

Our focus is on establishing product lines that focus on key outcomes by addressing real customer pain points, modernizing legacy systems, and strengthening core fundamentals. As a result, our systems and platforms support a wide range of banking and payments capabilities, including:

Tachyon, our cloud-native banking stack built for population-scale systems

Cipher, our unified authentication platform for secure, high-volume banking environments

Digital Credit as a Service, enabling banks to launch credit lines on UPI

Elena, our intelligent and conversational AI platform for banking

Pixel, India’s first digital-native credit card, launched in partnership with HDFC Bank, for whom we also revamped their PayZapp mobile app: Winner of the Celent Model Bank Award for Payments Innovation 2024

Sparrow, the leading card experience for non-prime cardholders in the US
…and more across cards, payments, lending, and core banking.

We are an engineering-first organization that values ownership, bias for action, and long-term thinking. Together, we solve some of the hardest problems in banking tech. Our culture is built around trust, collaboration, and creating the conditions for you to drive impact proportionate to your potential. Reinforcing our commitment to creating an inclusive and supportive workplace, we have been consistently recognized as a Great Place to Work.

If you want to build cutting-edge banking tech that enables banks to serve millions reliably, securely, and at a population scale, Zeta is your playground.

If you would like to learn more about how we have grown and evolved over the years, watch our journey here. You can also explore our website and follow us on LinkedIn, Instagram, YouTube, and X.

We are looking for Operations Analysts to support the operational management of the Lumen credit card program. The role involves handling critical payment operations activities including disputes, reconciliation, settlements, reporting, and operational monitoring to ensure smooth day-to-day program execution.

The candidate should possess strong analytical skills, operational understanding, attention to detail, and the ability to work in a fast-paced fintech/payments environment.

Dispute Operations:

Handle dispute processing activities across chargeback lifecycle stages
Monitor dispute queues and ensure SLA adherence
Coordinate with internal and external stakeholders for resolution tracking
Maintain dispute reports and operational trackers

Settlement & Reconciliation:

Perform daily settlement reconciliation activities
Validate settlement reports and identify reconciliation breaks
Support repayment reconciliation and transaction validations
Coordinate with finance and partner teams for issue resolution

GL & Operational Support:

Assist in GL accounting support activities
Perform operational validations and reporting
Support audit, compliance, and operational governance requirements
Monitor operational exceptions and escalate issues proactively

Compliance & Reporting:

Maintain operational MIS and reporting dashboards
Ensure adherence to defined SOPs and process controls

Required Skills:

Strong analytical and problem-solving skills
Good understanding of payment operations and reconciliation processes
Proficiency in Excel and reporting
Good communication and stakeholder management skills
Ability to manage operational tasks with high accuracy and attention to detail

Preferred Skills:

Experience in card operations, disputes, settlements, or reconciliation
Exposure to Mastercard/Visa operations is an added advantage
Familiarity with fintech/payment processing environments

L1 (Associate): 1-3 years of relevant operations experience
L2 (Sr. Associate): 3-5 years of relevant operations experience
Bachelor’s degree in commerce, finance, business administration, or related field.

Zeta is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. We encourage applicants from all backgrounds, cultures, and communities to apply and believe that a diverse workforce is key to our success.