How to theme Bean block in drupal 7
First you need enable for create tpl name bean.tpl.php call for every bean type.

$conf['theme_debug'] = TRUE;


In this tpl you get $content variable . Please print_r($content) in tpl or install devel module to dmp($content). I suggested you install devel module. After that you can find your field collection 

Load field collection like this 

Thank you