Lead Credit Officer Manager

JP Morgan Services India Pvt Ltd; Bengaluru; On-site; INR 1,800,000 - 3,500,000; Full time

Job summary

JPMorgan Chase in Bengaluru, India, is seeking a Senior Lead Credit Officer - Manager to lead a high-performing risk team responsible for evaluating credit applications and portfolio risk management in a regulated environment.

The role emphasizes strong credit judgment, stakeholder collaboration, and delivering high-quality execution within policy and audit requirements, with opportunities to drive process improvements and strategic initiatives.

Qualifications

• 10+ years of experience in credit underwriting or portfolio risk management.
• Postgraduate degree in business, finance, accounting or related field.
• Understanding of credit philosophy, risk guidelines and loan documentation.
• Ability to articulate objective views based on professional analysis.
• Strong verbal, written and interpersonal skills; analytical mindset.

Responsibilities

• Manage and develop a high-performing credit risk team with strong execution.
• Oversee credit applications, portfolio risk management and transaction analysis.
• Guide assessment of risk in new transactions and customer business models.
• Ensure timely identification of risks and escalation of red flags.
• Deliver quality credit recommendations aligned with policy and audit standards.
• Lead strategic projects to improve operational efficiency and stakeholder delivery.
• Foster collaborative, inclusive teamwork and ownership across the credit risk organization.

Skills

Credit underwriting

Credit risk analysis

Risk governance

Stakeholder management

Analytical thinking

Organization & time management

Team coaching

Problem solving

Education

Postgraduate degree in business/finance

Job description

Lead Credit Officer - Manager

Lead Credit Officer - Manager As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks and using your expert judgment to solve real-world challenges that impact our company, customers, and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo, and striving to be best-in-class.

The purpose of this position is to facilitate responsible business loan portfolio growth and protect the bank from loss while maintaining acceptable asset quality. The manager leads a high-performing credit risk team responsible for evaluating credit applications, supporting portfolio risk management activities, identifying key risks, recommending credit actions, and ensuring high-quality execution within business, policy, and audit requirements.

Key Responsibilities

• Manage, coach, and develop a high-performing credit risk team, ensuring effective day-to-day execution, consistent quality of credit work, and continued development of credit judgment.
• Provide oversight on credit applications, portfolio risk management activities, and transaction-level analysis to ensure recommendations are supported by sound analysis, objective views, and clear identification of key risks.
• Guide the team in independently analyzing, or partnering with more senior credit professionals where appropriate, to evaluate the risk of adding transactions to the bank loan portfolio.
• Identify and guide additional information requirements needed to properly assess transaction risks, customer business models, long-term viability, and continued credit worthiness of borrowers.
• Review and assess the financial strength and soundness of customers, including timely identification and escalation of key risks, early warning indicators, and potential red flags across the assigned portfolio.
• Consider and guide alternative credit structures to mitigate risk where appropriate, while ensuring credit facilities presented are properly graded and recommendations are well supported.
• Ensure assigned timelines are met and documentation requirements are completed in line with business, policy, Risk Guidelines, and audit expectations.
• Maintain strong working relationships with stakeholders and act as a trusted credit partner by providing timely, thoughtful, and well-reasoned credit perspectives.
• Lead and independently drive business-critical projects, strategic initiatives, and process improvement efforts that improve operational efficiency, effectiveness, quality, and stakeholder delivery.
• Identify process inefficiencies, partner with relevant teams to resolve issues, and support a culture of continuous improvement, ownership, accountability, and disciplined execution.
• Encourage critical thinking and problem solving across the team, including the ability to challenge assumptions, gain new insights, think outside the box, and improve delivery of services to stakeholders.
• Foster a collaborative and inclusive team environment where team members across the credit risk organization are empowered to take ownership, build expertise, and deliver consistent results.

Minimum Skills, Experience and Qualifications

We are looking for someone excited to join our organization.

• 10 plus years of experience as a credit underwriter, credit officer, portfolio risk professional, or in a similar position requiring strong business knowledge and credit judgment.
• Postgraduate degree or advanced degree in business management, finance, accounting, or a related discipline.
• Strong knowledge of credit philosophy, Risk Guidelines and policies, loan documentation, bankruptcy, and related legal issues.
• Ability to formulate and articulate objective views based on professional analysis.
• Strong verbal, written, and interpersonal skills, as well as analytical and problem-solving skills.
• Good organization skills and ability to work within time constraints in a highly regulated industry.
• Proven ability to manage priorities, coach team members, drive accountability, and influence stakeholders across credit and business teams.
• Works effectively in a team environment while assuming ownership and helping develop junior team members.

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.

Experience Level Senior Level