Corporate & Investment Banking Credit Risk Analyst

JPMorgan Chase & Co.; Mumbai; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

JPMorgan Chase & Co. in Mumbai seeks an Wholesale Credit Risk APAC Analyst to onboard new clients, perform credit analysis, and structure transactions across loans, derivatives, and treasury products. You will lead due diligence, assess counterparty creditworthiness, and recommend risk-adjusted structures.

You will manage portfolios, provide coaching to analysts, and balance commercial objectives with risk controls to support the firm’s balance sheet.

Qualifications

• Familiarity with credit risk concepts and mitigants.
• Strong interpersonal and communication skills with stakeholders.
• Ability to manage multiple work streams in a fast-paced environment.

Responsibilities

• Own portfolio of clients and be the main contact for stakeholders.
• Conduct transaction due diligence and credit analysis.
• Recommend structure, risk appetite, and client grading based on forward-looking analysis.
• Assist in structuring and documentation negotiations with senior colleagues.
• Balance a commercial mindset with sound risk controls in decisions.
• Coach and train Analyst community to share knowledge.
• Develop relationships with stakeholders/product partners within Commercial & Investment Bank.
• Identify limitations/gaps in systems, risk controls, and policies to drive improvements.

Skills

Credit risk concepts

Interpersonal communication

Time management

Analytical thinking

Stakeholder management

Education

Bachelor’s Degree in Business/Finance

Postgraduate qualifications (MBA/CFA/CA)

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