Wholesale Credit Risk EMEA Associate - Technology, Media & Telecoms

JPMorganChase; Mumbai; On-site; INR 1,500,000 - 2,100,000; Full time

Job summary

J.P. Morgan in Mumbai seeks a Wholesale Credit Risk EMEA Associate to partner with regional business units and assess credit risk across a broad client base in TMT.

You will engage with Debt Capital Markets, Acquisition and Leveraged Finance, M&A, Corporate Bank, Markets, Treasury Services, and Trade Finance to deliver informed risk decisions. You will build cash flow models, reviews, and memos, and mentor junior colleagues while supporting clients across leveraged, investment grade, and

Qualifications

• Sound credit skills with proactive risk identification.
• Knowledge of transaction structures, loan documentation, and banking products.
• Strong written and verbal communication for stakeholders.

Responsibilities

• Perform due diligence, credit analysis, and financial modelling of counterparties.
• Prepare credit memos and advise on structure, risk appetite, and grading.
• Build financial models and challenge modelling assumptions across teams.
• Articulate downside scenarios and modelling conclusions clearly.
• Engage across loans, derivatives, trade, and treasury products to mitigate risk.
• Negotiate loan docs, derivatives, and facilities; understand risk policies.
• Monitor risk portfolio, ratings, sector trends, and client performance.
• Coach and support junior colleagues in credit analysis.

Skills

Credit risk evaluation

Credit analysis

Financial modelling

Loan documentation

Regulatory interaction

Stakeholder management

Coaching junior colleagues

Proactive risk identification

Job description

Are you looking for an exciting opportunity to join a dynamic and growing team in a fast paced and challenging area? This is a unique opportunity for you to work in our team to partner with the Business to provide a comprehensive view.

Are you looking for an exciting opportunity to join a dynamic and growing team in a fast paced and challenging area? This is a unique opportunity for you to work in our team to partner with the Business to provide a comprehensive view.

As a Wholesale Credit Risk EMEA Associate in the Technology, Media & Telecoms (TMT) team, you will work closely with business partners across the region, including Debt Capital Markets, Acquisition and Leveraged Finance, M&A, Corporate Bank, Markets, Treasury Services, and Trade Finance to assess and manage credit risk for a broad range of clients within TMT. You will have the opportunity to support clients across Leveraged, Investment Grade, and Innovation Economy segments, including those backed by Venture Capital. We value your expertise and collaborative spirit as we drive impactful credit risk decisions together.

Job Responsibilities

• Take responsibility for due diligence, credit analysis, and financial modelling of credit counterparties
• Drive the preparation of credit memos and make recommendations on structure, risk appetite, and grading
• Build financial models and challenge industry teams on modelling assumptions
• Devise appropriate downside scenarios and clearly articulate key modelling conclusions
• Work across a variety of products including loans, derivatives, trade, and treasury products
• Negotiate loan documentation, derivatives, and other facilities to help mitigate risks
• Understand risk management policies and interact with stakeholders, including regulators and auditors
• Manage ongoing credit risk portfolio, monitoring ratings, sector trends, and client performance
• Coach and support the development of junior colleagues

Required Qualifications, Capabilities, And Skills

• Sound credit skills and judgment with a proactive approach to credit process and risk identification
• Demonstrate knowledge of transaction structures, loan documentation, and banking products
• Good interpersonal and communication skills, both written and verbal
• Ability to establish credibility and trust with key stakeholders
• Proven coaching and development ability towards junior colleagues
• Self-starting, result-driven, multi-tasking, and adaptable to change
• Prior experience in a Credit Risk department or leveraged finance underwriting
• Skills in cash flow modelling and financial analysis

Preferred Qualifications, Capabilities, And Skills

• Knowledge of European languages in addition to English
• Experience working with Venture Capital-backed clients
• Familiarity with high yield loans, corporate style loans, and venture term loans
• Understanding of risk-reward mindset in dynamic environments
• Experience interacting with regulators and auditors
• Ability to challenge and support industry teams on modelling assumptions
• Experience in portfolio management and monitoring sector trends

About Us

J.P. Morgan is a global leader in financial services, providing strategic advice and products to the world's most prominent corporations, governments, wealthy individuals and institutional investors. Our first-class business in a first-class way approach to serving clients drives everything we do. We strive to build trusted, long-term partnerships to help our clients achieve their business objectives.

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.

About The Team

J.P. Morgan's Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.