Credit Risk Associate - Technology

Credit Risk Associate - Tech

Bring your expertise to JPMorganChase. As part of Risk Management and Compliance, you are at the center of keeping JPMorganChase strong and resilient. As a Global Risk Manager in the Commercial Banking Risk India team, you work on automation and transformation projects to promote efficiency, minimize credit risk and reduce manual work for the Asset Backed Lending (“ABL”) team.

Job Responsibilities

• Perform analysis of financial metrics/risk outcomes and collateral/borrowing base indicators (revenue/EBITDA/cash flow, leverage, coverage, liquidity, rating migration; availability/utilization, advance rates, collateral mix, eligibility/ineligibles, reserves, concentrations, dilution, aging/past dues, over-advances, variance drivers)

• Build and maintain executive-ready dashboards and monitoring packs that are consistent, auditable, and aligned to governance and regulatory expectations

• Deliver ad-hoc analyses for senior stakeholders, turning ambiguous requests into decision-ready insights and concise narratives

• Improve data quality, controls, and scalable automation across financial, collateral, and borrowing base reporting

• Use LLMs responsibly through strong prompting to draft executive narratives and summarize financial and collateral trends, adhering to governance and data-handling requirements

• Apply AI/ML (for example, anomaly detection and early-warning or predictive indicators) to financial and collateral variance detection and integrate outputs into risk monitoring and reporting

   

   

Required Qualifications, Capabilities, and Skills

• Bachelor’s or master’s degree in Finance, Data Science, Computer Science, Business, Economics, or a related field

• 3+ years of experience in analytics, business intelligence, or portfolio/credit analytics in financial services 

• Proficiency with large datasets and tools such as SQL, Tableau, Alteryx, Python, or R

• Ability to produce executive-ready materials and communicate complex findings clearly to senior audiences

• Strong prioritization and stakeholder management skills; proven delivery under time constraints

JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world’s most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.

We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants’ and employees’ religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.

Experience Level

Mid Level