Associate -Credit Strategy - Chase Auto

Fairygodboss; Bengaluru; On-site; INR 1,500,000 - 2,100,000; Full time

Job summary

JPMorganChase in Bengaluru is seeking an experienced Credit Risk Analyst to assist with credit analysis and monitor portfolio performance, identifying risk trends and shifts in key metrics.

You will support underwriting guidelines, risk frameworks, and data-driven reporting for credit leadership, collaborating with Risk, Underwriting, and Finance teams to improve decisioning processes and drive portfolio optimization.

Qualifications

• Bachelor's degree in finance, economics, business, data analytics, or related discipline.
• 6+ years of experience in consumer credit, risk, analytics, or underwriting at a financial institution.
• Strong analytical skills to interpret data, identify trends, and draw conclusions.
• Basic understanding of consumer credit products and risk drivers.
• Proficiency in Excel and quantitative tools.
• Excellent written and verbal communication to present findings.
• Team-oriented with ability to work in a fast-paced environment.
• Curiosity to learn about credit strategy and risk models.

Responsibilities

• Assist with credit analysis and portfolio performance monitoring to identify risk trends.
• Support development and maintenance of underwriting guidelines, policy documentation, and risk frameworks in line with business priorities.
• Prepare data-driven reports, presentations, and insights for credit leadership and cross-functional partners.
• Help evaluate credit exposures and recommend risk mitigation actions for standard credit scenarios, following established policies.
• Collaborate with Risk, Underwriting, and Finance teams to help operationalize credit strategy and improve decisioning processes.
• Participate in special projects related to credit strategy, portfolio optimization, and risk governance.
• Engage in ongoing learning and development to build expertise in credit strategy, risk models, and industry best practices.

Skills

Analytical skills

Excel

Quantitative tools

Communication skills

Team collaboration

Learning agility

Financial knowledge

Education

Bachelor's degree in finance or related field

Tools

SQL

Tableau

Power BI

Job description

Job responsibilities

• Assist with credit analysis and portfolio performance monitoring to help identify risk trends and shifts in key metrics.
• Support the development and maintenance of underwriting guidelines, policy documentation, and risk frameworks in line with business priorities.
• Prepare data-driven reports, presentations, and insights for credit leadership and cross-functional partners.
• Help evaluate credit exposures and recommend risk mitigation actions for standard credit scenarios, following established policies.
• Collaborate with Risk, Underwriting, and Finance teams to help operationalize credit strategy and improve decisioning processes.
• Participate in special projects related to credit strategy, portfolio optimization, and risk governance.
• Engage in ongoing learning and development to build expertise in credit strategy, risk models, and industry best practices.

Required Qualifications, Capabilities and Skills

• Bachelor's degree in finance, economics, business, data analytics, or a related discipline.
• Minimum 6+ years of relevant experience in consumer credit, credit risk, portfolio analytics, underwriting, or related functions at a financial institution or credit analytics organization.
• Strong analytical skills with the ability to interpret data, identify trends, and support actionable conclusions.
• Basic understanding of consumer credit products, credit risk concepts, and portfolio performance drivers.
• Proficiency in Excel and quantitative tools
• Effective written and verbal communication skills to present findings and recommendations to business partners.
• Team-oriented mindset and ability to work collaboratively in a fast-paced environment
• Curiosity and eagerness to learn about credit strategy, risk models, and industry best practices.

Preferred Qualifications, Capabilities and Skills

• Familiarity with SQL or visualization tools such as Tableau or Power BI

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.