Corporate & Investment Banking Credit Risk Analyst

Next Frontier Capital; Mumbai; On-site; INR 900,000 - 1,500,000; Full time

Job summary

JPMorganChase in Mumbai is seeking a Wholesale Credit Risk APAC – Analyst to join the APAC team. You will onboard new clients, perform credit analyses, structure transactions, and develop recommendations for approvals across loans, derivatives, and treasury products.

You will lead due diligence, assess counterparty creditworthiness, and determine appropriate structures and risk appetite. The role includes portfolio management, reviews, and coaching colleagues to strengthen the analyst community.

Qualifications

• Bachelor’s degree in business, finance, or related field.
• Understanding of credit risk concepts and mitigants.
• Strong communication with stakeholders.
• Ability to manage multiple work streams in a fast-paced environment.
• Ability to think holistically and articulate views clearly.

Responsibilities

• Own portfolio of clients and act as main point of contact for stakeholders.
• Conduct transaction due diligence and credit analysis.
• Recommend structure, risk appetite, and client grading.
• Participate in structuring and documentation negotiations.
• Balance commercial mindset with risk controls.
• Commit to personal development and coaching teammates.
• Develop relationships with stakeholders/product partners within the Commercial & Investment Bank.
• Drive initiatives by identifying gaps in systems, risk controls, and policies.

Skills

Credit risk concepts

Interpersonal communication

Time management

Analytical thinking

Education

Bachelor’s degree in Business, Finance, or related field

Job description

Are you looking for an exciting opportunity to join a dynamic and growing team in a fast paced and challenging area? This is a unique opportunity for you to work in our team to partner with the Business to provide a comprehensive view.

As a Wholesale Credit Risk APAC – Analyst in the Wholesale Credit Risk APAC team, you will be based in Mumbai playing a crucial role in onboarding new clients, performing credit analysis, structuring, negotiating, and developing recommendations for new transaction approvals across a variety of products, including loans, derivatives, and treasury products. You will lead due diligence and credit analysis to assess the creditworthiness of counterparties, making recommendations on appropriate structures, risk appetite, and client grading. Your role will involve ongoing credit risk portfolio management, new client onboardings, portfolio reviews and ad-hoc macro environment related stress exercises. You will also be committed to personal development and fostering team knowledge by coaching and training members of the Analyst community. Your ability to balance a commercial mindset with a sound risk and controls attitude will be key to managing the Firm’s balance sheet effectively.

Job responsibilities

• Demonstrate proactive ownership of your assigned portfolio of clients including borrower/market performance and acting as the main point of contact for all internal and external stakeholders for your portfolio
• Conduct transaction due diligence and credit analysis to assess counterparty creditworthiness
• Make recommendations on appropriate structure, risk appetite, and client grading informed by forward-looking credit analysis
• Participate in structuring and documentation negotiations with the support of senior colleagues
• Balance a commercial and solution-driven mindset with a sound risk and controls attitude
• Commit to personal development and foster team knowledge through coaching and training
• Develop close working relationships with various stakeholders/product partners within the Commercial & Investment Bank
• Drive key initiatives and process changes by identifying limitations/gaps in systems, risk controls, and policies

Required qualifications, capabilities, and skills

• Bachelor’s Degree in Business, Finance, or a related field
• Familiarity with the concepts of Credit Risk – how it may arise and potential mitigants
• Good interpersonal and communication skills, with the ability to establish credibility and trust with internal business and risk stakeholders
• Ability to demonstrate good time management and clarity in thinking when dealing with multiple work streams in a fast-paced environment
• Ability to think holistically and logically and communicate own views in an easy to understand fashion

Preferred qualifications, capabilities, and skills

• 2-3 years of experience in credit risk management in the financial services industry would be highly regarded
• Relevant postgraduate qualifications (e.g., MBA, Masters of Finance, CFA, CA) would be highly regarded
• Knowledge of the Corporates and Financial Institutions financial analysis

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.

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. Guide credit risk decisions for diverse clients, using expert judgment to manage emerging risks and support sustainable growth