Commercial And Investment Bank Risk Associate

JP Morgan Chase; Bengaluru; On-site; INR 1,200,000 - 2,400,000; Full time

Job summary

JP Morgan Chase in Bengaluru seeks an Associate in Credit Risk to underwrite, monitor, and assess risk for government, higher education, healthcare, and not-for-profit clients. You will structure solutions and communicate analyses to stakeholders to support prudent risk management.

The role emphasizes due diligence, financial statement interpretation, and collaboration with banking partners across the risk team. 3+ years of experience and finance qualifications are required.

Qualifications

• MBA (Finance specialization) or CA qualification.
• Minimum 3+ years of experience in credit risk, commercial banking, public finance, healthcare finance, or related field.
• Strong financial modeling, analytical, and quantitative skills.
• Ability to interpret complex financial statements and sector-specific disclosures.
• Understanding of credit risk principles, loan structures, and sector-specific risk factors.
• Excellent written and verbal communication skills for senior management and credit committees.
• Strong organizational skills and ability to manage multiple priorities in a fast-paced environment.
• Proficiency in Microsoft Word, Excel, and PowerPoint.

Responsibilities

• Perform comprehensive credit analysis and risk assessment for new and existing clients in government, higher education, healthcare, and not-for-profit sectors.
• Prepare and present detailed credit approval memoranda, including financial statement analysis and risk rating recommendations.
• Monitor portfolio performance, identify emerging risks, and proactively manage credit exposures.
• Collaborate with banking partners and other risk professionals to structure transactions balancing client needs with prudent risk management.
• Conduct due diligence calls and meetings with clients and management teams.
• Stay current on sector trends, regulatory developments, and market dynamics impacting the portfolio.
• Ensure compliance with JPMorganChase’s credit policies, procedures, and regulatory requirements.

Skills

Financial modeling

Credit risk

Analytical skills

Quantitative skills

Communication skills

MS Office (Word/Excel/PowerPoint)

Education

MBA (Finance specialization)

CA qualification

Tools

Microsoft Office

Job description

Job Description:

Are you looking for an exciting opportunity to join a dynamic and growing team in a fast-paced, challenging area? This is a unique opportunity to partner with the business to provide a comprehensive view of risk. You will work across a diverse set of clients in the government, higher education, healthcare and not-for-profit sectors. If you are highly motivated, analytical, and collaborative, this role offers the chance to make a meaningful impact.

As an Associate within the Credit Risk team supporting the Government, Higher Education, Healthcare and Not-for-Profit portfolio, you will play a critical role in underwriting, portfolio management, and risk assessment for complex credit exposures. You will support a diverse set of clients, including state and local governments, public and private universities, academic medical centers, hospitals, and leading not-for-profit organizations. You will partner closely with stakeholders to evaluate risk, structure solutions, and monitor portfolio health. You will communicate your analysis clearly to internal audiences and contribute to disciplined, prudent risk management.

Job responsibilities

• Perform comprehensive credit analysis and risk assessment for new and existing clients in the government, higher education, healthcare, and not-for-profit sectors
• Prepare and present detailed credit approval memoranda, including financial statement analysis and risk rating recommendations
• Monitor portfolio performance, identify emerging risks, and proactively manage credit exposures
• Collaborate with banking partners and other risk professionals to structure transactions that balance client needs with prudent risk management
• Conduct due diligence calls and meetings with clients and management teams
• Stay current on sector trends, regulatory developments, and market dynamics impacting the portfolio
• Ensure compliance with JPMorganChase’s credit policies, procedures, and regulatory requirements

Required qualifications, capabilities, and skills

• Master of Business Administration (Finance specialization) or Chartered Accountant qualification
• Minimum 3+ years of experience in credit risk, commercial banking, public finance, healthcare finance, or a related field
• Strong financial modeling, analytical, and quantitative skills, with the ability to interpret complex financial statements and sector-specific disclosures
• Demonstrated understanding of credit risk principles, loan structures, and sector-specific risk factors (for example, government funding, healthcare reimbursement, and not-for-profit financial reporting)
• Excellent written and verbal communication skills, with the ability to present complex analyses to senior management and credit committees
• Strong organizational skills and attention to detail, with the ability to manage multiple priorities in a fast-paced environment
• Proficiency in Microsoft Word, Microsoft Excel, and Microsoft PowerPoint

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.

Our professionals in our Corporate Functions cover a diverse range of areas from finance and risk to human resources and marketing. Our corporate teams are an essential part of our company, ensuring that we’re setting our businesses, clients, customers and employees up for success.

Risk Management helps the firm understand, manage and anticipate risks in a constantly changing environment. The work covers areas such as evaluating country-specific risk, understanding regulatory changes and determining credit worthiness. Risk Management provides independent oversight and maintains an effective control environment.