Credit Strategy Associate

JP Morgan Services India Pvt Ltd; Bengaluru; On-site; INR 1,500,000 - 1,900,000; Full time

Job summary

JP Morgan Services India Pvt Ltd has a position for an Associate - Credit Strategy for Chase Auto. The role focuses on analyzing consumer and dealer credit performance to drive strategic decisions that balance risk and profitability.

You will design decisioning rules, test ideas, and collaborate with Risk, Underwriting, Finance, Product, and Tech across time zones to improve outcomes. The ideal candidate has hands-on Python and SQL skills, a solid grasp of credit risk concepts, and strong

Qualifications

• 4–7 years of experience in retail/auto credit decisioning, underwriting, or credit policy execution.
• Hones Python and SQL skills for data pulls, joins/aggregations, and synthesis of results into recommendations.
• Strong understanding of consumer credit risk and impact of underwriting/decisioning on portfolio.
• Excellent written and verbal communication; able to work with US-based stakeholders across time zones.
• Team-oriented, thriving in a fast-paced, multi-stakeholder environment.

Responsibilities

• Analyze consumer and dealer/channel credit performance to identify drivers of approval rate, booked volume, loss rate, and profitability.
• Design and maintain credit decisioning strategies with policy rules, cutoffs, and segmentation.
• Support policy execution and governance with underwriting guidelines and risk control frameworks.
• Partner with Risk, Underwriting, Finance, Product, Ops, and Tech to implement strategy changes in decisioning workflows.
• Monitor portfolio and dealer trends; propose mitigations aligned with risk appetite.
• Communicate insights to US stakeholders with structured narratives and analytical support.
• Contribute to portfolio optimization, decisioning process improvements, and strategic initiatives.

Skills

Python

SQL

Credit risk concepts

Decisioning changes

Structured problem solving

Written communication

Stakeholder management

Test-and-learn

Cross-functional collaboration

Job description

Associate - Credit Strategy - Chase Auto

Job Responsibilities Analyze consumer and dealer/channel credit performance to identify key drivers of approval rate, booked volume, loss rate (incl. early loss), and profitability; translate findings into strategy recommendations . Build, refine, and maintain credit decisioning strategies (policy rules, cutoffs, segmentation) with a clear view of risk–growth–P&L trade-offs . Design and support test-and-learn / challenger strategies to measure incremental impact, document assumptions, and recommend scale/rollback decisions. Support credit policy execution and governance by maintaining underwriting guidelines, decisioning logic documentation, and risk control frameworks aligned to business priorities. Partner cross-functionally (Risk, Underwriting, Finance, Product, Ops, Tech) to implement strategy changes in decisioning workflows/systems and track outcomes to targeted portfolio metrics. Monitor portfolio and dealer/channel trends for emerging risks (mix shifts, dealer behavior, macro impacts) and recommend mitigation actions consistent with risk appetite. Communicate insights and proposals to US stakeholders with clear, structured narratives and defensible analytical support. Contribute to special projects related to portfolio optimization , decisioning process improvement, and strategic initiatives.

Required Qualifications, Capabilities and Skills 4–7 years of experience in retail/auto credit decisioning, underwriting, or credit policy execution (bank/fintech/credit analytics organization). Hands-on Python and SQL skills (comfortable with data pulls, joins/aggregations, basic analytics, and synthesizing results into recommendations). Strong understanding of consumer credit risk concepts and how underwriting/decisioning changes impact portfolio outcomes (approval rate vs loss rate vs growth/profitability). Strong logical reasoning and structured problem solving ; able to make clear assumptions and produce defensible decisions. Excellent written and verbal communication ; able to work directly with US-based stakeholders and operate effectively across time zones. Team-oriented, able to work in a fast-paced environment with multiple stakeholders.

Preferred Qualifications, Capabilities and Skills Experience with decisioning engines / rules-based platforms (any), rule governance, and operationalizing policy changes. Experience running challenger rules/testing , experimentation frameworks, or structured “test-and-learn” programs. Familiarity with portfolio monitoring approaches (vintage/cohort analysis, roll rates, early delinquency indicators, segmentation performance). Prior experience in fintech/banking environments or a statistics/quant background. Proven stakeholder management across time zones; ability to write crisp updates and decision memos.