VP, Credit Risk Insights & Market Intelligence

Aumni; Greater London; On-site; GBP 180,000 - 260,000; Full time

Job summary

J.P. Morgan in London seeks a Vice President for Credit Risk Oversight & Insights to own credit, consumer and external market insights.

You will align market intelligence with portfolio performance, lending strategy and customer outcomes, coordinating with CRO and leadership. You will represent Risk Oversight in industry forums, monitor regulatory developments, and drive cross-functional collaboration across Credit Risk, Fraud, Forecasting and Regulatory Affairs.

Qualifications

• Bachelor's degree or equivalent qualification.
• Significant experience in Credit Risk, Risk Oversight or a related discipline, ideally within consumer lending.
• Strong understanding of UK consumer lending, credit risk, collections and customer-outcome considerations.
• Advanced proficiency in Microsoft Excel, Word, and PowerPoint.
• Strong analytical and problem-solving skills.
• Strong written and verbal communication skills, with the ability to present analytical findings and business recommendations.
• Experience working in agile or fast-paced environments.
• Ability to manage change while delivering business value.
• Experience interpreting market, portfolio, consumer or macroeconomic data and translating analysis into clear insights and recommendations for senior leaders.
• Experience assessing regulatory developments and their potential implications for products, strategies, controls and customer outcomes.
• Ability to build relationships and influence across Risk, business, control, regulatory and external stakeholder groups.

Responsibilities

• Establish a regular market-insight and horizon-scanning process, including a monthly forum/publication, to give senior leaders a forward-looking view of trends, threats and developments affecting ICB lending, risk, customer outcomes and regulatory expectations.
• Own the external engagement calendar across credit risk, fraud, collections, consumer lending and the UK/EU lending market. Coordinate ICB Risk attendance, attend key forums, represent the firm where appropriate, and maintain relationships with industry bodies, peer firms, vendors and relevant internal stakeholders.
• Analyze market, consumer, credit bureau, public, macroeconomic and internal portfolio data to assess borrowing, spending, product usage, balances, arrears, delinquencies, score distributions, collections performance and wider consumer behaviour. Partner with Credit Risk and Forecasting teams to connect external trends to portfolio performance and oversight priorities.
• Monitor regulatory and policy developments in partnership with Regulatory Affairs, Government Relations and industry bodies. Assess potential impacts, inform the CRO and Leadership Team, support impact analysis with 1LOD and other teams, and coordinate Risk input into advocacy, consultation responses and JPMorganChase positioning where relevant.
• Benchmark performance against industry, competitors and wider market trends, including loss rates, delinquency, collections roll rates, recoveries, customer outcomes and product performance.
• Assess ICB lending against regulatory expectations and customer-outcome standards through thematic reviews, sampling and case assessments. Support oversight of manual underwriting, including controls, outcomes, mandate adherence, decision consistency and comparison with standard treatment.
• Partner with Complaints teams to identify themes relating to credit products, fraud and risk-based strategies, including internal and Financial Ombudsman Service outcomes, and identify potential areas for second-line challenge.
• Own Lending Authority mandate documentation and oversee and challenge changes to underwriter authority limits. Support oversight of manual underwriting.
• Provide oversight and challenge of relevant 1LOD product, strategy and roadmap changes, considering prioritization, Risk implications, market practice, competitor developments and regulatory expectations.

Skills

Credit Risk

Risk Oversight

Data analysis

Regulatory awareness

Stakeholder influence

Communication

Education

Bachelor's degree or equivalent

Tools

Excel

PowerPoint

Word

Job description

J.P. Morgan in London seeks a Vice President for Credit Risk Oversight & Insights to own credit, consumer and external market insights.

You will align market intelligence with portfolio performance, lending strategy and customer outcomes, coordinating with CRO and leadership. You will represent Risk Oversight in industry forums, monitor regulatory developments, and drive cross-functional collaboration across Credit Risk, Fraud, Forecasting and Regulatory Affairs.