Business Lending Risk Analytics - Senior Associate

JPMorgan Chase; Columbus (OH); On-site; USD 80,000 - 100,000; Full time

Benefits offered by this job

Health care coverage

Retirement savings plan

Tuition reimbursement

Job summary

A prominent financial services firm is seeking a Strategic Analytics Associate in Business Banking Risk. This role involves generating data-driven insights, conducting risk analysis, and developing strategies to balance growth and credit risk. Ideal candidates should have a strong quantitative background and proficiency in SAS. The position offers competitive compensation and a range of comprehensive benefits, including health care and tuition reimbursement, in a collaborative work environment.

Qualifications

• Minimum 5 years of experience in risk management or quantitative field.
• Advanced understanding of SAS or similar software.
• Strong problem-solving skills.

Responsibilities

• Conduct analysis of borrower performance and demographics.
• Generate strategic recommendations based on data.
• Maintain reporting on key metrics for management.

Skills

Data analysis

Quantitative analysis

Problem solving

Communication skills

Education

Bachelor's degree (5+ years experience) or Master's degree (3+ years experience)

Background in statistics or econometrics

Tools

SAS

SAS Enterprise Miner

Job description

Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You 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. 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 Strategic Analytics Associate in Business Banking Risk, you will generate data‑driven insights and recommendations that inform strategy development, implementation, and performance monitoring across the Business Banking portfolio. You'll transform complex datasets into actionable management information, design and test strategies that balance growth and credit risk, and maintain robust controls and documentation to ensure an audit‑ready environment. This opportunity offers high visibility, cross‑functional collaboration, and the chance to influence outcomes across the credit lifecycle—from acquisition and underwriting through portfolio management, collections, and recoveries.

Job Responsibilities

• Conduct thoughtful analysis of borrowers, their demographics, and risk/profit performance with the firm's products.

• Generate strategic recommendations for strategy development based on quantitative analytics and business intuition. Strategies are optimized to maximize profitability while minimizing risk.

• Develop and maintain periodic reporting and analytics on key metrics to provide management with emerging trends including (but not limited to) volumes, modification/settlement rates and recovery rates of delinquent accounts.

• Acquire an understanding of the operational processes (i.e. manual underwriting, portfolio management, collections, etc.) which will aid in understanding past‑due account collection performance drivers.

• Conduct pre‑implementation and post‑implementation testing & analysis to ensure strategic changes produce expected impacts.

• Contribute to the team's “audit‑ready” state by keeping organized documentation, following established control processes, and developing draft responses to internal audit and regulatory questions.

Required Qualifications, Capabilities and Skills

• Bachelor's degree with minimum 5 years of professional experience related to risk management or other quantitative field of work

• Master's degree with minimum 3 years of professional experience related to risk management or other quantitative field of work

• Background in statistics, econometric, or other quantitative field

• Advanced understanding of SAS, SAS Enterprise Miner, or other decision tree software

• Ability to query large amounts of data and transform the raw data into actionable management information

• Familiarity with risk analytic techniques and strong problem‑solving skills

• Strong written and verbal communication skills

Preferred Qualifications, Capabilities and Skills

• Master's degree

• Intellectually curious and driven to identify meaningful insights using a data guided approach

• Strong knowledge of debt collection regulations and practices

• Experience delivering recommendations to management

Chase is a leading financial services firm, helping nearly half of America's households and small businesses achieve their financial goals through a broad range of financial products. Our mission is to create engaged, lifelong relationships and put our customers at the heart of everything we do. We also help small businesses, nonprofits and cities grow, delivering solutions to solve all their financial needs.

We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission‑based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on‑site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.

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.

Equal Opportunity Employer/Disability/Veterans