Senior Risk Associate

JPMorgan Chase & Co.; Mumbai; On-site; INR 1,500,000 - 2,200,000; Full time

Job summary

JPMorgan Chase & Co. in Mumbai invites a Credit Risk Associate to join Corporate and Investment Bank Risk. You will lead credit analysis, produce memos with clear recommendations, and develop downside scenarios while managing exposures across a client portfolio.

You will collaborate with coverage, product, markets, and M&A teams and coach junior colleagues in a fast-paced environment. You will work closely with Primary and Senior Credit Officers, applying firm risk policies and supporting

Qualifications

• Strong analytical and credit judgment for evaluating credit and transaction structures.
• Project management with end-to-end ownership of work and projects.
• Build credibility with clients and internal partners and mentor juniors.
• Self-starter, results-driven, able to multitask in a dynamic workflow.

Responsibilities

• Lead in-depth due diligence and produce concise credit memos with recommendations.
• Build, review and challenge financial models and downside scenarios.
• Interpret loan and derivatives documentation and negotiate terms.
• Partner with senior stakeholders across coverage, product, markets, and M&A.
• Liaise with Primary and Senior Credit Officers; manage exposure across clients.
• Coach junior team members through on-the-job guidance and training.

Skills

Analytical and credit skills

Project management

Stakeholder management

Coaching junior colleagues

Self-starter and multitasking

Credit risk judgment

2+ years experience

Job description

Join a credit risk team where your analysis directly informs high-impact credit decisions. You will lead due diligence, develop clear credit recommendations, and challenge assumptions through rigorous modeling and downside scenarios. You will work closely with senior stakeholders across coverage, product, markets, capital markets, and mergers and acquisitions teams. You will also help proactively manage exposures across a portfolio of clients and industry sectors. This role offers the opportunity to coach and develop junior team members in a dynamic, fast-paced environment.

As a Credit Risk Associate within Corporate and Investment Bank Risk, you will lead credit analysis and due diligence to support informed credit decisions. You will produce clear credit memos with recommendations, challenge financial modeling assumptions, and develop appropriate downside scenarios. You will proactively manage exposure for a portfolio of clients and industry sectors while partnering closely with senior stakeholders across the firm. You will also support coaching and development of junior team members through on-the-job guidance and training.

Job responsibilities:

• Lead in-depth due diligence processes and produce concise credit memos with clear recommendations to support credit decision-making.
• Build, review, and challenge financial models and underlying assumptions, and develop appropriate downside scenarios based on key conclusions.
• Review and interpret loan and derivatives documentation, including LMA standard and leveraged finance documents and key ISDA/CSA documentation, and prioritize and negotiate key documentation terms.
• Partner with senior stakeholders across coverage teams, product specialists, markets partners (including derivatives sales), capital markets, and mergers and acquisitions teams.
• Liaise regularly with Primary Credit Officers and Senior Credit Officers.
• Manage exposure proactively across a portfolio of clients and industry sectors.
• Apply understanding of firm risk management policies and related interactions with key stakeholders (including regulators and auditors), and coach junior team members through on-the-job development and training.

Required qualifications, capabilities, and skills:

• Demonstrate strong analytical and credit skills and judgment, with a hands-on approach to evaluating credit and transaction structure details.
• Demonstrate strong project management skills with end-to-end ownership of work and projects.
• Build credibility and trust with clients, internal business partners, product specialists, and credit officers, and partner effectively with them.
• Coach and develop junior colleagues effectively.
• Operate as a self-starter who is results-driven, able to multitask, and adaptable to shifting priorities in a dynamic workflow environment.
• Bring at least 2+ years of experience in roles requiring relevant credit risk and analytical skills.

Preferred qualifications, capabilities, and skills:

• Have prior experience reviewing and commenting on loan documentation and/or core corporate derivative documentation.
• Demonstrate excellent written and verbal communication skills.