Associate - Credit Risk

JPMorgan Chase & Co.; Bengaluru; On-site; INR 900,000 - 1,500,000; Full time

Job summary

JPMorgan Chase & Co. in Bengaluru is seeking an early-career credit risk analyst to monitor client portfolios, analyze financial statements, and prepare risk reports.

You will work closely with portfolio managers to assess facilities and exposures while learning the bank's credit framework. Ideal candidates have MBA Finance or CA qualifications, up to 3 years of experience, and strong Excel/PowerPoint skills.

Qualifications

• 0-3 years of experience in credit risk; real estate sector preferred
• Strong understanding of corporate finance and financial statements
• Proficient in MS Office; ability to learn AI tools, techniques and applications

Responsibilities

• Support portfolio managers with extensive portfolio monitoring and credit risk reports
• Conduct annual reviews and diligence for stressed loans; monitor covenants and terms
• Track clients and sector/regulatory developments; adjust risk ratings as needed
• Develop knowledge of Commercial Real Estate and Affordable Housing sectors in North America
• Build relationships with Credit Approvers, Credit Officers, Bankers and stakeholders
• Contribute to firm-wide projects improving efficiencies, risk reporting and regulatory compliance
• Ad-hoc projects as necessary

Skills

Credit risk analysis

Financial statement analysis

MS Excel

Teamwork & communication

Education

MBA Finance

CA

Tools

MS Excel

PowerPoint

Job description

• Business Unit Commercial & Investment Bank
• Posting Date 09/16/2026, 07:03 AM
• Locations Parcel 9, Embassy Tech Village, Outer Ring Road, Deverabeesanhalli Village, Varthur Hobli, Bengaluru, IN-KA, 560103, IN
• Job Schedule Full time
• Job Shift Evening

Job Description

Responsibilities:

• Support portfolio Managers – Extensive and in-depth portfolio monitoring;Prepare credit risk analysis reports on assigned clients (business & financial analysis and focusing on credit issues). Recommend rating grades based on analysis for the clients and facilities/exposures.
• Actively work on portfolio management activities such as annual reviews, periodic financial performance diligence for stressed loans, monitoring loans for covenants and adherence to credit terms, regulatory reporting, etc.
• Build strong knowledge of the existing clients (including loan documentation for their facilities); regularly track sector and regulatory developments on an on-going basis; continuously monitor the client portfolio for risk rating appropriateness and perform off-cycle risk rating changes as needed.
• Develop sound knowledge of Commercial Real Estate and Affordable Housing sectors in North America ; as well as understand/ keep yourself regularly updated on the overall Credit Ecosystem – Tools & Applications, Policies, Procedures, Guidelines, Systems required to perform Credit Analysis of CDB Borrowers.
• Build strong relationships and maintain open communication with colleagues from various Lines of Business including Credit Approvers, Credit Officers,Bankers, etc.
• Contribute to various firm-wide projects focused on improving efficiencies, streamlining processes, risk technology, enhancing risk reporting, regulatory compliance, etc.
• Ad-hoc projects as necessary.

Qualifications: MBAs (with Finance specialization) / CA

• 0-3 years of experience in credit risk; experience in real estate sector is preferred
• Strong understanding of corporate finance and financial statements, including ratio analysis, cash flow analysis, and basic accounting principles
• Good knowledge of various banking facilities/products (such as term loans, counterparty lines, etc.) and their documentation
• Attitude and aptitude to learn and enhance knowledge of credit risk analysis, and passion for real estate sector
• Deadline orientation; strong attention to detail and high accuracy
• Proficient in the use of Microsoft desktop tools (MS Word, Excel and Power Point) and ability to learn AI tools, techniques and applications
• Ability to work proactively & independently, as well as in a team environment
• Strong & Effective communication skills – both verbal & written; and good interpersonal skills to be able to effectively present analysis and build strong relationships with stakeholders

Work timing: Starts at 1:00 p.m. IST to provide overlap with the US counterparts

About Us

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.

About the Team

J.P. Morgan’s Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.