Lead Credit Officer - VP

JPMorgan Chase & Co.; Mumbai; On-site; INR 3,500,000 - 7,000,000; Full time

Job summary

JPMorgan Chase & Co. in Mumbai invites a Vice President to join the Wholesale Credit Risk team.

You will oversee an assigned corporate portfolio, lead due diligence, and drive credit analysis, structuring, and approval processes for complex transactions across loans, derivatives, liquidity and cash management products. The role emphasizes risk assessment, industry insights, and ongoing credit monitoring, while collaborating closely with Global Investment Banking, Commercial Banking and other

Qualifications

• At least 6 years of experience in credit risk/analysis within corporate or investment banking.
• Strong credit risk analysis skills across qualitative and quantitative aspects.
• Understanding of products across loans, derivatives, liquidity and cash management, with related docs.
• Ability to identify key issues in clients, industries and transaction structures.
• Strong interpersonal and stakeholder engagement abilities.
• Ability to manage multiple work streams in a fast-paced environment.
• Ability to build relationships with origination teams and internal stakeholders.

Responsibilities

• Supervise and manage an assigned portfolio of corporate/institutional clients.
• Lead due diligence, structuring, and documentation for transactions.
• Conduct forward-looking credit analysis and financial modelling for client insights.
• Exercise credit approval authority.
• Collaborate with client coverage, product bankers, credit executives and legal counsels.
• Review credit and regulatory reporting requirements.
• Mentor junior Wholesale Credit Risk team members.
• Monitor market/industry developments affecting clients.
• Support internal ad-hoc initiatives and work streams.

Skills

Credit risk analysis

Financial modelling

Interpersonal skills

Time management

Stakeholder management

Education

CA or MBA/finance

Tools

MS Excel

PowerPoint

Word

Outlook

Job description

Job summary:

Are you interested in contributing to keeping JPMorganChase strong and resilient? If you are keen to be part of the Credit Risk team to help the firm grow its business in a responsible way by anticipating new and emerging risks and using your expert judgement to solve real-world challenges that impact our company, customers, and communities, this opportunity is for you. 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.

As a Vice President in the Wholesale Credit Risk team, you will be based in Mumbai, supporting the India and Japan Wholesale Credit Risk teams. You will be at the forefront of executing transactions across derivatives, liquidity and cash management products, vanilla and structured loans, as well as acquisition & leveraged finance. You will be working closely with our business partners from various sectors including Global Investment Banking, Commercial Banking and Corporate Banking as well as Markets and Securities Services and Global Payments. Your role will be pivotal in promoting credit analytics including risk rating determination, industry assessment with a key focus on due diligence, structuring, negotiation, documentation, and approval of transactions. You will also be responsible for the ongoing credit monitoring and review work for all client facilities, providing you with a diverse and dynamic work environment.

Job responsibilities

• Be responsible for ongoing supervision and management of an assigned portfolio of corporate and institutional clients across a range of industries
• Take a lead role in the due diligence, structuring and documentation for transactions
• Conduct detailed review of forward-looking credit analysis, along with necessary financial modelling, to provide insight into clients’ industries and the key business and financial risks they face
• Exercise a meaningful credit approval authority
• Interact closely with transaction stakeholders including client coverage and product bankers, credit executives and legal counsel
• Review various credit and regulatory reporting requirements
• Mentor and develop junior Wholesale Credit Risk team members
• Track market and industry developments and their impact on clients
• Recommend and monitor internal credit ratings; and
• Support the team with ongoing ad-hoc initiatives and work streams

Required qualifications, capabilities and skills

• At least 6 years’ experience gained in a credit risk or credit analysis role within corporate, institutional and/or investment banking
• Strong credit risk analysis skills covering both qualitative and quantitative analysis
• Strong understanding of products across loans, derivatives and liquidity and cash management products as well as related documentation
• Ability to take an active role in identifying key issues and concerns relating to clients, their industries and transaction structures
• Strong interpersonal skills
• Ability to demonstrate good time management and clarity in thinking when dealing with multiple work streams in a fast-paced environment
• Ability to foster relationships and confidently interact with origination teams and other internal stakeholders

Preferred qualifications, capabilities and skills

• Highly proficient in Microsoft Excel with an ability to navigate through financial models, as well as other Microsoft programs (PowerPoint, Word, Outlook etc.)
• CA or Post graduate qualifications in accounting, business, finance, or a quantitative related discipline from a Tier-1 business school preferably
• Proficiency in written and verbal communication in Japanese is advantageous but not required