Associate - Credit Strategy - Chase Auto

JPMorganChase; Bengaluru; On-site; INR 1,800,000 - 2,400,000; Full time

Job summary

JPMorganChase in Bengaluru seeks an experienced credit decisioning professional to analyze consumer and dealer credit performance, refine policy rules, and design test-and-learn strategies. You will partner with Risk, Underwriting, Finance, Product, Ops and Tech across time zones to implement changes in decisioning workflows and track outcomes to portfolio metrics.

The role emphasizes governance, documentation, and risk control frameworks aligned to business priorities.

Qualifications

• Hands-on Python and SQL skills with data extraction and aggregation.
• Strong understanding of consumer credit risk and policy impact.
• Excellent written and verbal communication across time zones.

Responsibilities

• Analyze consumer and dealer credit performance to identify drivers of approval rate, volume, loss rate and profitability.
• Build and refine credit decisioning strategies with risk-growth-P&L trade-offs.
• Design test-and-learn/ challenger programs to measure incremental impact.
• Support policy execution and governance with documentation and risk control frameworks.
• Partner with Risk, Underwriting, Finance, Product, Ops, and Tech to implement strategy changes in decisioning workflows.
• Monitor portfolio trends and recommend mitigations aligned with risk appetite.
• Communicate insights to US stakeholders with structured narratives and defensible analytics.
• Contribute to portfolio optimization and strategic initiatives.

Skills

Python

SQL

Credit risk concepts

Structured problem solving

Communication

Stakeholder management

Tools

Decisioning engines

Job description

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.

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.