Risk Loss Forecasting Analytics

2 months ago

Bengaluru, India JPMorgan Chase Bank, N.A. Full time

As part of the Card Credit Forecasting Team you will be responsible for providing allowance/budget/capital analysis numbers for various macroeconomic scenarios that directly impact the firm's Profit & Loss. You will also perform in-depth analysis of the portfolio to draw insights on existing and emerging risks, analyses model performance and limitations, develops strategic overlays, and has a strong handle on end-to-end controls for the processes they run. You will be driving for performing measurement and capture of idiosyncratic risks for capital planning purposes, both internal and regulatory. Responsibilities may include designing stress scenarios and shocks, managing the end-to-end scenario analysis, framework, performing detailed analysis of stress drivers, and responding to regulatory requests (e.g. C
**omprehensive Capital Analysis and Review** ). Also engaging with Technology to further enhance the stress framework, and work in close concert with controllers, finance, and other stakeholders.

This an excellent opportunity for an individual who thrives in a fast-paced and team-oriented environment where strong analytical skills, business acumen, and superior communication skills are leveraged to support our company's ability to accurately forecast our losses and identify early signs of credit risk.

**Responsibilities**:

- A bility to analyze data and forecast results in a business and financial context and Explain the variations in forecast model outputs based on portfolio trends, planned business actions and model components/assumptions
- Understand how inputs and outputs are generated and ability to modify inputs and output for what if scenario or regression testing of the models.
- Estimation of model overlay or management adjustment to be added to raw model output and Work closely with upstream and downstream partners to communicate outcomes and analysis
- Manage various monthly and quarterly reporting and commentary including slide and deck preparation with attention to accuracy and deadlines
- Develop enhanced reporting through use of automation, if required, such as excel macros or SAS programming as needed
- Manage ad hoc analysis; starting with identifying the opportunities and issues, collecting data, analyzing and presenting the data
- Presenting findings, recommendations and presentations to Senior Management and Partner with Data and Controls teams, as well as other internal groups to ensure strong controls and accuracy of model inputs (e.g., portfolio, macroeconomic variables)

**Required qualifications, capabilities, and skills**
- Bachelor's degree in a quantitative discipline; Math, Finance, Statistics, Economics or equivalent work/training is required; advanced degree is preferred
- 6+ years of related analytical experience and 4+ years of SAS (including SAS Macros) & SQL programming experience
- Deep credit risk experience in one or more US consumer credit portfolios (i.e. U.S. Mortgage, Home Equity, Credit Card, Automotive, Lease, Business Banking). Strong technical and statistical skills. Ability to synthesize data and communicate to leadership in a concise and effective manner, both verbally and written
- Project Management Skills - well-organized, structured approach. Ability to achieve tight timelines on complex deliverables. Ability to manage and prioritize projects across cross-functional groups
- Strong communication and interpersonal skills, ability to interact with individuals across departments / functions and with senior-level individuals
- Able to work effectively under pressure and in a rapidly changing environment in order to meet deadlines
- Self-starter, able to take the initiative and operate independently on a daily basis and Strong understanding of controls and dedicated to continuously improving processes

**Preferred qualifications, capabilities, and skills**
- Knowledge of Tableau/R/Python
- Knowledge of the Forecasting process, macroeconomics and finance preferred
- Desire to mentor and oversee the development of credit analysts in the team

JPMorgan Chase & Co., 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

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