Analyst Credit Risk Structured Finance

Location: Mumbai, Maharashtra, India

Job Family: Analysts

About the Role

At JP Morgan Chase, we are seeking a talented Analyst in Credit Risk Structured Finance to join our dynamic team in Mumbai, Maharashtra, India. This role offers a unique opportunity to contribute to high-impact structured finance initiatives within one of the world's leading financial institutions. As part of our Corporate & Investment Bank division, you will play a pivotal role in assessing and managing credit risks associated with complex financial products such as securitizations, asset-backed securities, and collateralized loan obligations. Your work will directly influence deal structuring, portfolio health, and compliance with global regulatory standards, allowing you to push the boundaries of innovation in the financial services industry while advancing your career in a supportive, high-growth environment. In this position, you will conduct in-depth credit risk evaluations, leveraging advanced financial modeling to analyze underlying assets, counterparty exposures, and potential downside scenarios. You will collaborate closely with origination teams, traders, and risk managers to ensure transactions align with JP Morgan Chase's rigorous risk appetite and capital efficiency goals. Responsibilities include monitoring portfolio performance, identifying early warning signals, and recommending mitigation strategies to safeguard the firm's interests in emerging and established markets. This role demands a keen eye for detail and the ability to thrive in a fast-paced, global setting where decisions impact billions in assets. JP Morgan Chase values diversity and inclusion, fostering an environment where analytical excellence meets creative problem-solving. As an Analyst, you will have access to cutting-edge tools, mentorship from industry leaders, and opportunities for professional growth through our renowned training programs. If you are passionate about structured finance and eager to make a meaningful impact, join us in Mumbai to embark on an adventure that challenges conventional limits and drives the future of financial risk management.

Key Responsibilities

• Conduct thorough credit risk assessments for structured finance transactions, including due diligence on underlying assets and counterparties
• Develop and maintain financial models to evaluate portfolio performance, stress testing, and scenario analysis
• Collaborate with cross-functional teams including origination, sales, and legal to structure deals that mitigate risks
• Monitor ongoing credit exposures and provide recommendations for risk mitigation strategies
• Prepare detailed risk reports and presentations for senior management and regulatory submissions
• Analyze market trends and regulatory changes impacting structured finance products
• Support the development of risk policies and procedures specific to JP Morgan Chase's global standards
• Assist in portfolio management, including early warning systems and workout strategies for distressed assets
• Contribute to ad-hoc projects such as new product development in securitized markets

Required Qualifications

• Bachelor's degree in Finance, Economics, Mathematics, or a related quantitative field
• Minimum of 2 years of experience in credit risk analysis, structured finance, or related areas within financial services
• Strong understanding of structured finance products such as securitizations, collateralized debt obligations (CDOs), and asset-backed securities (ABS)
• Proficiency in financial modeling and risk assessment methodologies
• Knowledge of regulatory frameworks including Basel III, IFRS 9, and local Indian regulations
• Excellent analytical skills with the ability to interpret complex financial data
• Fluency in English; additional languages such as Hindi are advantageous

Preferred Qualifications

• Advanced degree (Master's or MBA) in Finance or Risk Management
• Experience working in a global financial institution like JP Morgan Chase
• Certification in credit risk management (e.g., FRM or CFA Level I)
• Familiarity with credit rating agencies and their methodologies
• Prior exposure to emerging markets and structured finance in Asia-Pacific

Required Skills

• Financial modeling and valuation techniques
• Credit analysis and underwriting
• Risk quantification and stress testing
• Proficiency in Excel, VBA, and SQL for data analysis
• Knowledge of Bloomberg or similar financial terminals
• Structured finance product expertise
• Regulatory compliance and reporting
• Analytical problem-solving
• Attention to detail and accuracy
• Strong communication and presentation skills
• Team collaboration and stakeholder management
• Time management in fast-paced environments
• Adaptability to market volatility
• Quantitative analysis using statistical tools

Benefits

• Competitive base salary and performance-based bonuses aligned with JP Morgan Chase's compensation philosophy
• Comprehensive health, dental, and vision insurance coverage for employees and dependents
• Retirement savings plan with company matching contributions
• Generous paid time off, including vacation, sick leave, and parental leave policies
• Professional development opportunities through JP Morgan's internal training programs and tuition reimbursement
• Employee wellness programs, including gym memberships and mental health support
• Flexible work arrangements, including hybrid options in Mumbai
• Global mobility programs for career advancement within JP Morgan Chase

JP Morgan Chase is an equal opportunity employer.