Senior Associate - Wholesale Credit Risk

Next Frontier Capital; Mumbai; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

JPMorganChase in Mumbai seeks an Associate in Wholesale Credit Risk to diligence, risk grading, structuring, and ongoing monitoring of a diverse portfolio across corporate and financial institutions. You will manage lending and trading-related exposures with Japan-based companies and their overseas subsidiaries.

You will conduct due diligence, review trading activity, and develop risk mitigations while mentoring junior staff and collaborating with cross-functional teams in a dynamic global bank

Qualifications

• Bachelor's Degree
• Experience in credit risk management
• Coursework in accounting and corporate finance
• Strong interest in client interaction with excellent verbal and written communication skills
• Ability to perform well under pressure in a demanding environment
• Proficiency in Excel, PowerPoint, and Word
• Japanese and English language skills

Responsibilities

• Manage lending activities and trading-related credit exposures with Japan-based companies, including their overseas subsidiaries across the Corporates and Financial Institution sectors
• Conduct customer due diligence and financial analysis, summarizing findings in written credit approval memos and reviews
• Review and approve trading activity, recommending margin requirements and structural enhancements
• Develop and recommend structural solutions to mitigate risk on structured financings, performing cash flow analysis under stressed scenarios
• Set and communicate credit exposure appetite across trading products using internal exposure methodologies
• Oversee legal negotiations for traded products
• Assess client creditworthiness and assign appropriate credit ratings
• Maintain updated credit research on a portfolio of clients
• Mentor and guide junior resources, managing workloads and ensuring deadlines are met, escalating issues to senior managers as needed
• Lead efficiency projects and assist in training and developing analysts
• Participate in client due diligence meetings

Skills

Credit risk management

Japanese language skills

Verbal and written communication

Excel

PowerPoint

Word

Education

Bachelor's Degree

Tools

Excel

PowerPoint

Word

Job description

Job summary:

Are you ready to make a significant impact in the world of credit risk management? Join our Credit Risk team to identify, measure, limit, manage, and monitor credit risk across our diverse business operations. As part of Corporate Risk Management, we maintain independence and integrity in decision-making, reporting directly to the firm’s Chief Risk Officer (CRO). Our practices are designed to safeguard the firm while offering you the opportunity to develop your expertise in credit risk.

As a Credit Risk - Associate in the Commercial & Investment Bank (CIB) Wholesale Credit Risk team, you will be responsible for diligence, risk grading, structuring, and ongoing monitoring of a diverse and complex portfolio of risks. You will manage high-grade and leveraged loans, asset-based structured financing, extensive derivatives and securities trading relationships, and intra-day liquidity facilities. You will serve as the Credit Officer and primary contact for credit relationships, while also mentoring junior team members.

Job responsibilities

• Manage lending activities and trading-related credit exposures with Japan-based companies, including their overseas subsidiaries across the Corporates and Financial Institution sectors
• Conduct customer due diligence and financial analysis, summarizing findings in written credit approval memos and reviews
• Review and approve trading activity, recommending margin requirements and structural enhancements
• Develop and recommend structural solutions to mitigate risk on structured financings, performing cash flow analysis under stressed scenarios
• Set and communicate credit exposure appetite across trading products using internal exposure methodologies
• Oversee legal negotiations for traded products
• Assess client creditworthiness and assign appropriate credit ratings
• Maintain updated credit research on a portfolio of clients
• Mentor and guide junior resources, managing workloads and ensuring deadlines are met, escalating issues to senior managers as needed
• Lead efficiency projects and assist in training and developing analysts
• Participate in client due diligence meetings

Required qualifications, capabilities, and skills

• Bachelor's Degree
• Experience in credit risk management
• Coursework in accounting and corporate finance
• Strong interest in client interaction with excellent verbal and written communication skills
• Ability to perform well under pressure in a demanding environment
• Proficiency in Excel, PowerPoint, and Word
• Japanese and English language skills

Preferred qualifications, capabilities, and skills

• At least 3 years of experience in financial services (investment banking or similar)

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.

J.P. Morgan's Global Banking business is one of the largest wholesale banking client franchises in the world. We serve clients, including corporations, governments, states, municipalities, healthcare organizations, education institutions, banks and investors.

Commercial Banking provides credit and financing, treasury and payment services, international banking and real estate services to clients, including corporations, municipalities, institutions, real estate investors and owners, and not-for-profit organizations.

Associate - Wholesale Credit Risk