Credit Risk Loss Forecasting Analytics

4 weeks ago

Bengaluru, India JPMorgan Chase & Co Full time

**JOB DESCRIPTION**
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 risks.

The Consumer and Community Bank (CCB) currently consists of a number of credit portfolios including Credit Card, Mortgage, Auto, Student Loans, Business Banking and Dealer Commercial Services. The consumer business is supported by both Vertical Organizations (dedicated risk staff supporting a specific business) and Horizontal Organizations (staff that is accountable for working across businesses.) One of these Horizontal organizations is the Consumer Credit Forecasting team.

Within Consumer Credit Forecasting is the Auto Loss Forecasting team. Our team is accountable for providing reasonable forecasts of delinquencies, repossessions, charge off units / dollars and recovery of charged off assets throughout the year for Regulatory (CCAR and Risk Appetite), capacity planning, business planning exercise such as year-end budget and mid-year forecast in partnership with P&A, collections staffing plans, etc. by various macro-economic scenarios. The team is also responsible for monitoring the health of the portfolio and updating the business on any concerning trends.

You will be part of the core forecasting team and will be responsible for helping the broader team by driving process excellence and design high quality automated solutions to help analyze different risk metrics for each forecasting cycle.

**Responsibilities**:

- Design, develop and test tableau dashboards yielding actionable insights; Code and modify SQL/ETL based on requirement
- Manage centralize database on tableau server
- Develop enhanced reporting through use of automation, using Excel / VBA or other programming languages
- Deliver monthly/quarterly reports and manage portfolio analytics
- Manage ad hoc analysis; starting with identifying opportunities and issues, and proposing effective solutions
- Regular presentation of findings to Senior Management.
- Expected to work on multiple projects with limited guidance.

**Required qualifications, capabilities, and skills**
- Bachelor's degree in a quantitative discipline; Advanced degree is preferred
- 6+ years of related experience in automation and process excellence
- Proficient in Tableau and Alteryx; Certifications would be a plus
- Highly proficient in Microsoft Office suite of products (Advanced Excel, VBA and PowerPoint)

**Preferred qualifications, capabilities, and skills**
- Credit risk experience in one or more US consumer credit portfolios (i.e. U.S. Mortgage, Home Equity, Credit Card, Automotive, Lease, Business Banking)
- Knowledge of programming language like SAS/ Python is an advantage
- Well-organized and structured with strong communication and interpersonal skills

**ABOUT US**

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 or disability, or any other basis protected under applicable law. In accordance with applicable law, we make reasonable accommodations for applicants’ and employees’ religious practices and beliefs, as well as any mental health or physical disability needs.

**ABOUT THE TEAM**

Our Consumer & Community Banking division serves our Chase customers through a range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. We’re proud to lead the U.S. in credit card sales and deposit growth and have the most-used digital solutions - all while ranking first in customer satisfaction.

Risk Management helps the firm understand, manage and anticipate risks in a constantly changing environment. The work covers areas such as evaluating country-specific risk, understanding regulatory changes and determining credit worthiness. Risk Management provides independent oversight and maintains an effective control environment.

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