Associate - Credit Strategy - Chase Auto

JPMorgan Chase & Co.; Bengaluru; On-site; INR 1,400,000 - 2,000,000; Full time

Job summary

JPMorganChase in Bengaluru is seeking a Credit Risk professional to analyze consumer and dealer credit performance and translate findings into strategy recommendations. You will build decisioning strategies, test ideas, and support policy governance while collaborating with Risk, Underwriting, Finance, Product, Ops, and Tech across time zones.

Strong Python/SQL skills and 4–7 years of retail/auto credit experience are required.

Qualifications

• Hands-on Python and SQL for data pulls and analysis.
• Strong understanding of consumer credit risk concepts and portfolio impacts.
• Clear, defensible decisions with structured problem solving.
• Excellent written and verbal communication to global stakeholders.

Responsibilities

• Analyze consumer and dealer/channel credit performance to identify key drivers; translate into strategy recommendations.
• Build, refine, and maintain credit decisioning strategies with risk-growth trade-offs.
• Design and support test‑and‑learn / challenger strategies to measure impact.
• Support credit policy execution and governance with underwriting guidelines and risk control frameworks.
• Partner with Risk, Underwriting, Finance, Product, Ops, Tech to implement strategy changes in decisioning workflows.
• Monitor portfolio trends and propose mitigation actions aligned with risk appetite.
• Communicate insights to US stakeholders with structured narratives and analytics.
• Contribute to portfolio optimization and process improvements.

Skills

Python

SQL

Credit risk concepts

Problem solving

Communication

Stakeholder management

Tools

Decisioning engines

Job description

Job Information

• Job Identification 210758949
• Job Category Credit Risk
• Business Unit Consumer & Community Banking
• Posting Date 09/30/2026, 10:18 AM
• Locations Ground to Fifth Floor G,H Block, EMBASSYTECH VILLAGE-PARCEL 5 OUTER RING RD DEVERABEESANAHALLI VILLA, Bengaluru, IN-KA, 560103, IN
• Apply Before 10/14/2026, 04:00 AM
• Job Schedule Full time
• Job Shift Mid-Day

Job Description

Job Responsibilities

• Analyzeconsumer and dealer/channel credit performanceto identify key drivers of approval rate, booked volume, loss rate (incl. early loss), and profitability; translate findings intostrategy recommendations.
• Build, refine, and maintaincredit decisioning strategies(policy rules, cutoffs, segmentation) with a clear view ofrisk–growth–P&L trade-offs.
• Design and supporttest‑and‑learn / challenger strategiesto measure incremental impact, document assumptions, and recommend scale/rollback decisions.
• Supportcredit policy execution and governanceby maintaining underwriting guidelines, decisioning logic documentation, and risk control frameworks aligned to business priorities.
• Partner cross‑functionally (Risk, Underwriting, Finance, Product, Ops, Tech) toimplement strategy changesin 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 recommendmitigation actionsconsistent with risk appetite.
• Communicate insights and proposals toUS stakeholderswith clear, structured narratives and defensible analytical support.
• Contribute to special projects related toportfolio optimization, decisioning process improvement, and strategic initiatives.

Required Qualifications, Capabilities and Skills

4–7 yearsof experience inretail/auto credit decisioning, underwriting, or credit policy execution(bank/fintech/credit analytics organization).

• Hands‑on Python and SQLskills (comfortable with data pulls, joins/aggregations, basic analytics, and synthesizing results into recommendations).
• Strong understanding ofconsumer credit riskconcepts and how underwriting/decisioning changes impactportfolio outcomes(approval rate vs loss rate vs growth/profitability).
• Stronglogical reasoning and structured problem solving; able to make clear assumptions and produce defensible decisions.
• Excellentwritten and verbal communication; able to work directly withUS‑based stakeholdersand operate effectively across time zones.
• Team‑oriented, able to work in a fast‑paced environment with multiple stakeholders.

Preferred Qualifications, Capabilities and Skills

• Experience withdecisioning engines / rules‑based platforms(any), rule governance, and operationalizing policy changes.
• Experience runningchallenger rules/testing, experimentation frameworks, or structured “test‑and‑learn” programs.
• Familiarity withportfolio monitoringapproaches (vintage/cohort analysis, roll rates, early delinquency indicators, segmentation performance).
• Prior experience infintech/bankingenvironments or astatistics/quantbackground.
• Proven stakeholder management across time zones; ability to writecrisp updatesand decision memos.

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

Our Consumer & Community Banking division serves our Chase customers through a range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. We’re proud to lead the U.S. in credit card sales and deposit growth and have the most‑used digital solutions – all while ranking first in customer satisfaction.