Modelling Analytics - Associate

Testing Site - JPMC; Bengaluru; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

JPMorgan Chase in Bengaluru invites a Senior Associate to join the ICB Credit Forecasting team. You will own the credit loss forecast process for internal and external reporting, supporting budget planning and stress testing cycles.

You will collaborate with Finance, Risk, and forecasting teams across geographies to deliver actionable insights and ensure timely, accurate forecasts.

Qualifications

• 5+ years of relevant experience in credit risk analytics or forecasting.
• Strong understanding of budget planning, ICAAP/CCAR, and stress testing.
• Ability to convert risk outputs into actionable forecast insights.
• Excellent presentation skills for senior management.

Responsibilities

• Support the end-to-end loss forecasting process for internal and external reporting, budget planning and stress testing.
• Prepare allowance and loss forecasts for budget planning and stress testing with trend explanations.
• Develop analytics to support new product development and QM updates.
• Regularly prepare presentations for senior management and stakeholders.
• Act as SME on allowance and as primary contact for stakeholders.

Skills

Credit risk analytics

Forecasting process

Stakeholder communication

Analytical thinking

Presentation skills

Job description

The ICB (International Consumer Banking) business within JPMorgan Chase has grown significantly since its launch in 2021, and we expect the business to expand further over the next few years. Join the expansion of Chase digital bank across the UK and Europe and help us continue to build our award-winning bank.

The ICB Credit Forecasting team maintains ownership of production, reporting, and analytics for business planning, ICAAP and Risk Appetite. In addition, this team is responsible for providing insights to key business partners on macroeconomic developments, risk appetite and capital adequacy.

As a Senior Associate in Credit Forecasting, you will be responsible for the credit loss forecast process for internal and external reporting, as part of budget planning and stress testing cycles. You will support new business initiatives and regulatory submissions across risk stripes and geographies. You will have substantial interaction and collaborate closely with all key stakeholders within first line of defence, Finance, Risk, as well as colleagues within the Forecasting teams.

Job Responsibilities

• Support the end-to-end loss forecasting process for internal and external reporting, budget planning and stress testing. This will include executing the forecasting process, making refinements to assumptions and methodology, liaising with stakeholders to ensure timely delivery, and clearly communicating forecast output to stakeholders.
• Prepare allowance and loss forecasts for budget planning and stress testing, with clear explanation of forecasting trends and highlighting of potential emerging risks.
• Develop analytics to support new product development, including ad hoc deep dives into risk performance vs. expectation, analysis to support forecast assumption updates for new and existing products, and new Qualitative Models (QMs).
• Regularly prepare presentations for senior management and key stakeholders.
• Act as subject matter expert on allowance and serve as primary point of contact for stakeholders.

Required Skills, Capabilities and Experience

• 5 or more years of relevant experience, preferably within credit risk analytics and/or credit forecasting.
• Strong understanding of the forecasting process (e.g. budget planning, ICAAP/CCAR, stress testing, risk appetite), and of core credit metrics and drivers across the loss lifecycle.
• Strong analytical and problem-solving skills with a proven ability to convert outputs and risk signals into actionable forecast insights.
• Ability to present complex and technical concepts in a clear, simple and concise manner to senior management.
• Ability to manage multiple priorities to high standards and to deliver high-quality results within tight deadlines.