Associate - Credit Strategy - Chase Auto
JP Morgan Services India Pvt Ltd
Work from Office
Full Time
Min. 4 yearsJob Description
Associate - Credit Strategy - Chase Auto
Job Responsibilities
- Analyze consumer and dealer/channel credit performance to identify key drivers of approval rate, booked volume, loss rate (incl. early loss), and profitability; translate findings into strategy recommendations.
- Build, refine, and maintain credit decisioning strategies (policy rules, cutoffs, segmentation) with a clear view of risk–growth–P&L trade-offs.
- Design and support test-and-learn / challenger strategies to measure incremental impact, document assumptions, and recommend scale/rollback decisions.
- Support credit policy execution and governance by maintaining underwriting guidelines, decisioning logic documentation, and risk control frameworks aligned to business priorities.
- Partner cross-functionally (Risk, Underwriting, Finance, Product, Ops, Tech) to implement strategy changes in decisioning workflows/systems and track outcomes to targeted portfolio metrics.
- Monitor portfolio and dealer/channel trends for emerging risks (mix shifts, dealer behavior, macro impacts) and recommend mitigation actions consistent with risk appetite.
- Communicate insights and proposals to US stakeholders with clear, structured narratives and defensible analytical support.
- Contribute to special projects related to portfolio optimization, decisioning process improvement, and strategic initiatives.
Required Qualifications, Capabilities and Skills
4–7 years of experience in retail/auto credit decisioning, underwriting, or credit policy execution (bank/fintech/credit analytics organization).
- Hands-on Python and SQL skills (comfortable with data pulls, joins/aggregations, basic analytics, and synthesizing results into recommendations).
- Strong understanding of consumer credit risk concepts and how underwriting/decisioning changes impact portfolio outcomes (approval rate vs loss rate vs growth/profitability).
- Strong logical reasoning and structured problem solving; able to make clear assumptions and produce defensible decisions.
- Excellent written and verbal communication; able to work directly with US-based stakeholders and operate effectively across time zones.
- Team-oriented, able to work in a fast-paced environment with multiple stakeholders.
Preferred Qualifications, Capabilities and Skills
- Experience with decisioning engines / rules-based platforms (any), rule governance, and operationalizing policy changes.
- Experience running challenger rules/testing, experimentation frameworks, or structured “test-and-learn” programs.
- Familiarity with portfolio monitoring approaches (vintage/cohort analysis, roll rates, early delinquency indicators, segmentation performance).
- Prior experience in fintech/banking environments or a statistics/quant background.
- Proven stakeholder management across time zones; ability to write crisp updates and decision memos.
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 LevelJob role
Job requirements
About company
Similar jobs you can apply for
Teacher / Faculty / TutorInvigilator
Sidra Tech SolutionsWork from OfficeFull Time
Night ShiftAny experience
Good (Intermediate / Advanced) EnglishTelecaller
Cnj financial solutionsWork from OfficeFull TimeAny experienceBasic English
Banking Executive
Sprs Solutions Private LimitedWork from OfficeFull TimeFreshers onlyNo English RequiredService Associate
Pvr CinemasWork from OfficeFull TimeNight ShiftFreshers onlyBasic English
Electrical Site Engineer
Skyline Electronetworks
Field JobFull TimeMin. 2 yearsGood (Intermediate / Advanced) EnglishTeam Leader - Operations
ThyrocareWork from OfficeFull TimeMin. 1 yearBasic EnglishYou can expect a minimum salary of 0 INR. The salary offered will depend on your skills, experience and performance in the interview.
The candidate should have completed the required education and people who have 4 to 7 years are eligible to apply for this job. You can apply for more jobs in Bengaluru/Bangalore to get hired quickly.
The candidate should have sound communication skills and sound communication skills for this job.
Both Male and Female candidates can apply for this job.
No, it's not a work from home job and can't be done online. You can explore and apply for other work from home jobs in Bengaluru/Bangalore at apna.
No work-related deposit needs to be made during your employment with the company.
Go to the apna app and apply for this job. Click on the apply button and call HR directly to schedule your interview.
The last date to apply for this job is . For more details, download apna app and find Full Time jobs in Bengaluru/Bangalore . Through apna, you can find jobs in 64 cities across India. Join NOW!