Credit Risk Loss Forecasting Analytics

2 weeks ago

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

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.
The **Credit Point of View (CPOV) Emerging Risk Team** examines trends in the macroeconomic environment, landscapes, and credit industry. The team partners with product-specific analytic teams to dig deeper into trends assessing any potential portfolio risks, informing credit strategy and forecasting. Additional partnerships with internal teams sourcing deposit and transaction data, marketing analytics, and research groups further complement innovative uses of data to quantify credit risk.

As an** Associate **on the** CPOV Emerging Risk team**, you will be accountable for consumer credit analyses across industry product types and Consumer and Community Bank portfolios - informed by changes in the landscape, consumer behavior, and macro-economic influences. The credit views are used to support the Chief Risk Officer (and other senior leaders including the firm Chief Risk Officer, Chief Financial Officer, Investor Relations and Regulators) with a proactive viewpoint on consumer credit trends. Your role will be to help design and execute a strategic architecture of compelling views of consumer and wholesale credit across the Consumer and Community Bank.

**Job Responsibilities:
- Performing data analysis to research credit and consumer behavior trends, understand their drivers, and conduct impact assessments on consumer credit portfolios
- Evaluating how changes in the consumer credit environment impact the performance of credit portfolios - with a particular focus on macroeconomic, socioeconomic, and intelligence trends
- Building compelling data visualizations & distilling key informative messages clearly from large amounts of data
- Communicating key findings, participating in forums, and advancing the dialogue around credit trends within the risk community at both the analyst and executive levels
- Leverage advanced analytical tools and techniques to build automated solutions that will enable us to combine large volumes of data from multiple sources and identify concerning patterns

**Required qualifications, capabilities, and skills**:

- 3+ Years of experience in Credit Risk Management, Statistical Modeling or Data Analytics
- A Bachelor's degree in a quantitative discipline (Finance/Stats/Econ/Math/Engineering) or equivalent work/training is required
- Strong data handling skills leveraging tools such as SAS, SQL, MS Office required
- Hands-on experience of data analytics with Python is preferred
- Strong analytical, interpretive, and problem-solving skills
- Prior experience with solving consumer credit risk problems involving roll rates, credit losses and their drivers is preferred
- Communication skills and ability to convey risk management results, outlooks and cross-consumer points of view to key partners & senior executives
- Self-starter - able to take the initiative, bring ideas to the table and operate independently
- Ability to develop an auditable control framework for the research completed by the team

**Preferred qualifications, capabilities, and skills**
- Knowledge of regulatory modeling (IFRS9/CECL/CCAR preferred)

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.

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