Credit Support Supervisor

Location: Bengaluru, Karnataka, India

Job Family: Lending Services

About the Role

At JP Morgan Chase, we are a leading global financial services firm with a rich history of innovation and client focus. The Credit Support Supervisor role within our Lending Services team in Bengaluru, Karnataka, India, plays a pivotal part in safeguarding the integrity of our credit portfolios. Reporting to the Credit Risk Management leadership, you will assist in overseeing the assessment of compliance with credit agreement terms for an assigned portfolio of corporate and institutional loans. This position demands a blend of strategic oversight and hands-on leadership to ensure our lending activities align with both internal standards and external regulations, contributing to the firm's reputation for prudent risk management in a dynamic global market. In this supervisory role, you will lead a team of credit professionals, guiding them through the intricacies of covenant monitoring, financial statement analysis, and breach resolution. Your responsibilities will include conducting in-depth reviews of borrower performance, leveraging advanced analytical tools to detect early signs of credit stress, and collaborating with cross-border teams to implement corrective actions. At JP Morgan Chase, we value proactive risk mitigation, and you will be instrumental in refining processes that enhance portfolio resilience, such as developing automated monitoring dashboards and contributing to policy updates in response to evolving regulations like those from the Reserve Bank of India and international bodies. We seek a seasoned professional who thrives in a collaborative, high-stakes environment and is passionate about driving excellence in financial services. This role offers the opportunity to grow within one of the world's most admired banks, with exposure to diverse portfolios spanning industries and geographies. By joining JP Morgan Chase in Bengaluru, you will contribute to our mission of enabling economic growth while upholding the highest standards of compliance and integrity, all while benefiting from our supportive culture and robust career development resources.

Key Responsibilities

• Oversee the daily assessment of compliance with credit agreement terms for an assigned portfolio of loans and facilities
• Lead and supervise a team of credit analysts, providing guidance on complex compliance issues and ensuring high-quality deliverables
• Conduct thorough reviews of borrower financials, covenants, and risk indicators to identify potential breaches or risks
• Collaborate with global stakeholders, including relationship managers and risk officers, to resolve compliance discrepancies
• Develop and implement processes to enhance portfolio monitoring and early warning systems for credit deterioration
• Prepare detailed reports and presentations on portfolio compliance status for senior management and regulatory bodies
• Ensure adherence to JP Morgan Chase's internal policies, regulatory requirements, and industry best practices
• Mentor team members on credit support best practices and foster a culture of continuous improvement
• Monitor portfolio performance metrics and recommend adjustments to credit limits or terms as needed
• Support audit and regulatory examinations by providing comprehensive documentation and insights

Required Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, or a related field
• Minimum of 5 years of experience in credit risk management, lending services, or compliance in the financial services industry
• Proven supervisory experience leading teams in credit assessment or portfolio management
• Strong knowledge of credit agreements, regulatory requirements, and financial compliance standards such as Basel III and IFRS 9
• Experience working with large-scale portfolios in a banking environment
• Proficiency in financial analysis tools and software used in credit monitoring
• Ability to work in a fast-paced, global environment with cross-functional teams

Preferred Qualifications

• Advanced degree (MBA or Master's in Finance) or relevant certifications like CFA or FRM
• Prior experience at a major financial institution like JP Morgan Chase
• Familiarity with Indian financial regulations and international banking standards
• Demonstrated success in implementing credit risk mitigation strategies
• Experience with data analytics and reporting in credit support functions

Required Skills

• Expertise in credit risk assessment and financial modeling
• Proficiency in Microsoft Excel, SQL, and financial software like Moody's or Bloomberg
• Strong analytical and problem-solving abilities
• Excellent leadership and team management skills
• In-depth knowledge of lending products and credit instruments
• Effective communication, both written and verbal, for reporting and stakeholder engagement
• Attention to detail and accuracy in compliance reviews
• Project management skills for overseeing portfolio initiatives
• Regulatory compliance and audit experience
• Data interpretation and visualization using tools like Tableau
• Adaptability to changing financial regulations and market conditions
• Interpersonal skills for cross-functional collaboration
• Time management in a high-volume environment
• Risk identification and mitigation techniques
• Mentoring and coaching abilities for team development

Benefits

• Competitive base salary and performance-based annual bonuses
• Comprehensive health, dental, and vision insurance coverage
• Retirement savings plan with generous company matching contributions
• Paid time off, including vacation, sick leave, and parental leave
• Professional development programs, including tuition reimbursement and access to internal training at JP Morgan Chase University
• Employee wellness initiatives, such as gym memberships and mental health support
• Flexible work arrangements, including hybrid options in Bengaluru
• Global mobility opportunities within JP Morgan Chase's international network

JP Morgan Chase is an equal opportunity employer.