Credit Risk Analyst – Treasury and Chief Investment Office

Location: Mumbai, Maharashtra, India

Job Family: Analysts

About the Role

At JP Morgan Chase, we are seeking a talented Credit Risk Analyst to join our Treasury and Chief Investment Office team in Mumbai, Maharashtra, India. This role offers a unique opportunity to contribute to one of the world's leading financial institutions, where you will play a pivotal part in managing credit risks associated with our global treasury operations and investment strategies. As a Credit Risk Analyst, you will leverage your expertise to safeguard the firm's assets, ensuring resilience against market volatilities and counterparty defaults in a dynamic financial landscape. This position is ideal for professionals passionate about pushing the boundaries of risk management within the financial services industry, providing an adventurous career path filled with impactful challenges and growth opportunities. In this role, you will be responsible for conducting in-depth credit risk assessments, developing sophisticated models to quantify exposures, and monitoring key risk indicators for treasury and investment portfolios. You will collaborate closely with traders, portfolio managers, and senior risk officers to implement proactive mitigation strategies, while ensuring adherence to stringent regulatory standards like Basel III. Your work will involve analyzing complex financial instruments, performing stress tests under various economic scenarios, and delivering actionable insights through comprehensive reports. At JP Morgan Chase, you will have access to cutting-edge tools and data resources, enabling you to drive innovation in credit risk practices that support our commitment to client-centric solutions and sustainable growth. We value a diverse and inclusive environment where your contributions can shape the future of global finance. Joining our Mumbai team means becoming part of a supportive network that fosters professional development through mentorship, training programs, and exposure to international projects. If you thrive in a high-stakes setting and are eager to advance your career in credit risk within a prestigious institution like JP Morgan Chase, this role will empower you to make a meaningful difference while advancing your expertise in the ever-evolving world of financial services.

Key Responsibilities

• Conduct comprehensive credit risk assessments for treasury and Chief Investment Office portfolios
• Develop and maintain credit risk models to evaluate counterparty exposures and potential losses
• Monitor and analyze market trends, economic indicators, and regulatory changes impacting credit risk
• Collaborate with cross-functional teams to ensure robust risk mitigation strategies
• Prepare detailed risk reports and presentations for senior management and stakeholders
• Perform stress testing and scenario analysis on investment and treasury positions
• Support the implementation of risk policies aligned with JP Morgan Chase's global standards
• Identify and escalate emerging credit risks in real-time
• Contribute to the ongoing enhancement of credit risk frameworks and methodologies
• Ensure compliance with internal controls and external regulatory requirements

Required Qualifications

• Bachelor's degree in Finance, Economics, Mathematics, or a related quantitative field
• Minimum of 2-3 years of experience in credit risk analysis, preferably within banking or financial services
• Strong understanding of credit risk principles, including counterparty credit risk and treasury operations
• Proficiency in financial modeling and data analysis tools
• Knowledge of regulatory frameworks such as Basel III and IFRS 9
• Excellent analytical and problem-solving abilities
• Ability to work in a fast-paced, global team environment

Preferred Qualifications

• Advanced degree (Master's or MBA) in Finance or Risk Management
• Experience in treasury or investment office roles at a major financial institution
• Familiarity with JP Morgan Chase's risk management systems and processes
• Certification in credit risk (e.g., FRM or CFA Level I)
• Prior exposure to emerging markets risk in Asia-Pacific regions

Required Skills

• Credit risk modeling and quantitative analysis
• Financial statement analysis and ratio computation
• Proficiency in Excel, SQL, and Python for data manipulation
• Knowledge of risk management software (e.g., Moody's Analytics or SAS)
• Understanding of derivatives, fixed income, and liquidity risk
• Strong communication and presentation skills
• Attention to detail and accuracy in reporting
• Analytical thinking and problem-solving
• Team collaboration and stakeholder management
• Regulatory compliance and audit awareness
• Time management in high-pressure environments
• Adaptability to evolving financial markets
• Data visualization tools like Tableau or Power BI
• Basic understanding of machine learning in risk assessment
• Ethical judgment in risk decision-making

Benefits

• Competitive base salary and performance-based bonuses
• Comprehensive health, dental, and vision insurance coverage
• Retirement savings plan with company matching contributions
• Paid time off, including vacation, sick leave, and parental leave
• Professional development programs and tuition reimbursement
• Employee stock purchase plan and financial wellness resources
• On-site fitness centers and wellness initiatives
• Global mobility opportunities and career advancement support

JP Morgan Chase is an equal opportunity employer.