Associate / Senior Associate - Banking Operations

About Zeta

Zeta is a Next-Gen Banking Tech company that empowers banks and fintechs to launch banking products for the future. It was founded by Bhavin Turakhia and Ramki Gaddipati in 2015.

Our flagship processing platform - Zeta Tachyon - is the industry’s first modern, cloud-native, and fully API-enabled stack that brings together issuance, processing, lending, core banking, fraud & risk, and many more capabilities as a single-vendor stack. 20M+ cards have been issued on our platform globally.

Zeta is actively working with the largest Banks and Fintechs in multiple global markets transforming customer experience for multi-million card portfolios.

Zeta has over 1700+ employees - with over 70% roles in R&D - across locations in the US, EMEA, and Asia. We raised $280 million at a $1.5 billion valuation from Softbank, Mastercard, and other investors in 2021.

Learn more @ www.zeta.tech, careers.zeta.tech, Linkedin, Twitter

About the Role

Zeta is looking for a detail-oriented and motivated Credit Card Operations Associate to support day-to-day functions within our credit card operations team. This role includes responsibilities in transaction processing, customer account management, and reconciliation of network settlements.

Responsibilities

• Key Responsibilities

1. Transaction Processing

• Monitor and process daily credit card transactions (authorizations, postings, reversals, etc.).
• Ensure all transactions are posted correctly to customer accounts and investigate any discrepancies.
• Track declined, failed, or duplicate transactions and support issue resolution in coordination with relevant teams.

2. Network Settlement & Reconciliation

• Support daily reconciliation of credit card network settlement files (Visa,MasterCard,RuPay, etc.).
• Match acquiring and issuing transactions against settlement reports from networks and processors.
• Identify and escalate mismatches, delays, or anomalies in settlements to senior staff or finance teams.
• Assist in preparing reconciliation reports for internal audit and regulatory compliance.

3. Application & Account Support

• Enter and validate credit card applications in the internal system.
• Update customer information and perform basic KYC/document verification as needed.

4. Dispute & Fraud Support

• Log and track customer transaction disputes and chargebacks.
• Assist with documentation gathering and follow-up in coordination with fraud and chargeback teams.

5. General Operational Support

• Maintain accurate and up-to-date records of all processed transactions and reconciliations.
• Support the preparation of daily, weekly, and monthly operational reports.
• Adhere to internal control procedures and regulatory standards in all operational tasks.

Skills

• Basic knowledge of card networks (Visa, MasterCard, etc.) and payment systems preferred.
• Good MS Excel skills (v-lookups, pivot tables, etc.).
• Strong attention to detail, analytical thinking, and problem-solving skills

Education & Qualifications

• Bachelor’s degree in commerce, Finance, Business Administration, or a related field.
• 2-4 years of experience in credit card or banking operations, especially in transaction processing or reconciliation.
• Internship or work experience in a bank, card processing company, or BPO in the credit card domain.
• Familiarity with core banking systems, card management systems, or reconciliation tools.
• Willingness to work in shifts, especially during peak settlement times.

Equal Opportunity

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.