CIB Risk Associate

Fairygodboss; Mumbai; On-site; INR 1,000,000 - 1,500,000; Full time

Job summary

JPMorganChase is seeking a Wholesale Credit Associate in Mumbai to support rigorous credit analyses and risk-based recommendations across a diverse corporate portfolio. You will collaborate with business partners and senior risk leaders to assess transactions, structure solutions, and monitor exposures.

The role emphasizes disciplined risk management, strong technical, communication, and stakeholder management skills, with opportunities to develop through coaching and cross-functional

Qualifications

• Demonstrated analytical rigor and sound credit judgment.
• Strong capability in financial modelling and scenario analysis.
• Ability to leverage AI-enabled tools to support analysis.

Responsibilities

• Lead due diligence and prepare credit analyses and memoranda.
• Build, maintain and review financial models and downside scenarios.
• Interpret loan documentation and mitigate risk in structures such as syndicated and leveraged finance.
• Monitor credit risk portfolio and track ratings, sector developments and client performance.
• Identify changes in risk profile and recommend exposure adjustments.
• Assess products including loans, derivatives, trade finance, and treasury solutions.
• Coordinate with senior stakeholders to support approvals and risk alignment.
• Apply risk management policies and engage with Regulators and Auditors.
• Coach and develop junior colleagues through guidance.

Skills

Credit analysis

Financial modelling

Scenario analysis

AI tools usage

Credit structures

Stakeholder management

Communication skills

Coaching juniors

Self-directed

Risk appetite

Job description

As a Wholesale Credit Associate in the Corporate Credit Risk team, you support informed risk-taking by delivering high-quality credit analysis and recommendations across a diverse portfolio of corporate clients. You work closely with business partners and senior risk leaders to assess transactions, structure solutions, and monitor ongoing exposures. You contribute to disciplined risk management while developing strong technical, communication, and stakeholder management skills. We value collaboration, sound judgment, and a commitment to continuous improvement.

Job responsibilities

• Support and, where required, lead due diligence and prepare credit analyses of counterparties
  Prepare concise credit memoranda with clear recommendations on transaction structure, risk appetite, and credit grading
• Build, maintain, and review financial models, challenge key assumptions, and design downside scenarios
• Interpret and negotiate loan documentation, including syndicated and leveraged finance agreements, to mitigate risk
• Monitor and manage the credit risk portfolio, tracking ratings, sector developments, and client performance
• Identify changes in risk profile and recommend exposure adjustments
• Assess and support a broad range of products including loans, derivatives, trade finance, and treasury solutions
• Coordinate with senior stakeholders across banking, product teams, and Credit Officers to support approvals and risk alignment
• Apply firm risk management policies and engage with control partners, including Regulators and Auditors
• Support the development of junior colleagues through coaching and on-the-job guidance

Required qualifications, capabilities, and skills

• Demonstrated analytical rigor and sound credit judgment, with the ability to identify and communicate key risks
• Strong capability in financial modelling and scenario analysis across multiple lending contexts
• Ability to leverage AI-enabled tools to support analysis and improve efficiency
• Knowledge of transaction structures, loan documentation standards, and core banking products
• Proven ability to manage workstreams end to end, prioritize effectively, and operate in a dynamic environment
• Clear and effective written and verbal communication skills
• Ability to collaborate with and influence internal stakeholders
• Capability to coach and support the development of junior team members
• Self-directed, adaptable, and motivated to drive continuous improvement
• Prior experience in a comparable credit, risk, or banking environment

Preferred qualifications, capabilities, and skills

• Experience across multiple industry sectors or complex client portfolios
• Exposure to leveraged finance or structured lending transactions
• Experience interacting with senior Credit Officers or risk committees
• Familiarity with regulatory expectations and audit engagement
• Strong stakeholder management skills in a matrix organization

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.