Location: Bengaluru, Karnataka, India

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 datadriven insights and recommendations that inform strategy development, implementation, and performance monitoring across the Business Banking portfolio. Youll 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 auditready environment. This opportunity offers high visibility, crossfunctional collaboration, and the chance to influence outcomes across the credit lifecyclefrom acquisition and underwriting through portfolio management, collections, and recoveries.

Job Responsibilities

• Conduct thoughtful analysis of borrowers, their demographics, and risk/profit performance with the firms 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 teams audit-ready state by keeping organized documentation, following established control processes, and developing draft responses to internal audit and regulatory questions.
• Identify, evaluate, interpret and leverage complex internal and external data and develop analytical solutions to enhance risk strategies.

• Conduct adhoc analytics and contribute to various projects representing Risk Management.

  Required Qualifications, Capabilities and Skills

• Bachelors or Masters in Engineering, Statistics, Econometrics, Operations Research, Mathematics (or equivalent quantitative field)
• Strong SAS/R/Python and SQL programming skills and Advanced Word, PowerPoint, and Excel skills
• 5+ years of experience in Business Analysis, Consulting, Data Analytics, Risk Strategy, or related Financial Analysis 
• 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
• Demonstrated excellent written and oral communication skills to clearly present analytical findings and make business recommendations and prepare executive level communications. 
• High degree of initiative, self-direction, and excellent project management skills to manage competing priorities under tight deadlines

• Proven ability to collaborate and build strong partnerships.

  Preferred Qualifications, Capabilities and Skills

• Prior experience of working in in strategy / policy roles for persona;/business loans
• 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

Be part of the Business Banking Lending strategy team for small businesses and provide strategic insights to promote business decisions