Zeta
Associate / Sr. Associate - Credit card Operations
TLDR
Support the operational management of the Lumen credit card program by handling critical payment operations activities in a fast-paced fintech environment.
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
About the Role
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.
Responsibilities
Dispute Operations:
Skills
- 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:
Experience and Qualification
- 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.
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.
Zeta builds cloud-native, fully stackable processing and core banking platforms designed for financial institutions. Our solutions empower issuers to modernize their technology infrastructure and enhance the digital banking experience, seamlessly supporting millions of cards across multiple countries.
Senior Associate