Lending Product Analytics Solutions - Senior Associate

Location: Chicago, IL, United States

Job Family: Analytics Solutions & Delivery

About the Role

At JPMorgan Chase, we are at the forefront of financial services innovation, and our Lending Product Analytics Solutions team plays a pivotal role in driving data-informed decisions for our consumer and commercial lending portfolios. As a Senior Associate in this Chicago-based role, you will join a dynamic team that champions diversity, inclusion, and individual growth while delivering strong business outcomes. Your work will directly impact how we serve millions of customers by optimizing lending products through advanced analytics, ensuring they are efficient, compliant, and customer-centric in a competitive fintech landscape. In this position, you will leverage your expertise in data analytics to dissect complex lending datasets, uncover actionable insights on loan performance, default risks, and market trends, and collaborate with product, risk, and technology teams to implement solutions. You'll build sophisticated models using tools like SQL, Python, and Tableau to forecast outcomes and support strategic initiatives, such as enhancing digital lending platforms or personalizing customer offers. Your contributions will help JPMorgan Chase maintain its leadership in responsible lending practices, adhering to key regulations like the Consumer Financial Protection Bureau guidelines and fair lending standards. We value professionals who thrive in a collaborative environment and are passionate about using data to solve real-world financial challenges. This role offers ample opportunities for career advancement within our global organization, with access to cutting-edge training in AI-driven analytics and exposure to high-impact projects. If you are ready to make a meaningful difference in the financial services industry, join us in Chicago to shape the future of lending at one of the world's most respected banks.

Key Responsibilities

• Develop and maintain analytical models to support lending product performance and optimization
• Analyze customer data to identify trends, risks, and opportunities in loan portfolios
• Collaborate with cross-functional teams including product managers, risk analysts, and IT to deliver data-driven solutions
• Create dashboards and reports using advanced visualization tools to communicate insights to business leaders
• Conduct A/B testing and experimentation to enhance lending product features and user experience
• Monitor key performance indicators (KPIs) for lending products and recommend strategic improvements
• Ensure compliance with regulatory requirements such as Dodd-Frank and Basel III in all analytical work
• Support the integration of AI and machine learning into lending analytics workflows
• Mentor junior analysts and contribute to a culture of diversity, inclusion, and professional growth
• Stay abreast of industry trends in fintech and lending to inform product strategy

Required Qualifications

• Bachelor's degree in Finance, Economics, Data Science, Computer Science, or a related quantitative field
• 5+ years of experience in product analytics, data analysis, or financial services analytics
• Proficiency in SQL, Python, or R for data manipulation and analysis
• Strong understanding of lending products, credit risk, and financial regulations in the banking sector
• Experience with data visualization tools such as Tableau or Power BI
• Demonstrated ability to work with large datasets and derive actionable insights
• Excellent communication skills to present findings to senior stakeholders

Preferred Qualifications

• Master's degree in a quantitative discipline or MBA
• Experience in the consumer or commercial lending space at a major financial institution
• Knowledge of machine learning techniques applied to financial data
• Familiarity with JPMorgan Chase's internal tools and platforms
• Certifications in data analytics (e.g., Google Data Analytics or CFA Level I)

Required Skills

• SQL and database querying
• Python or R programming
• Data visualization (Tableau, Power BI)
• Statistical analysis and modeling
• Machine learning fundamentals
• Financial modeling and forecasting
• Credit risk assessment
• Regulatory compliance knowledge
• Problem-solving and critical thinking
• Stakeholder communication
• Project management
• Attention to detail
• Team collaboration
• Adaptability in fast-paced environments
• Ethical data handling

Benefits

• Competitive base salary and performance-based annual bonus
• Comprehensive health, dental, and vision insurance coverage
• 401(k) retirement savings plan with generous company match
• Paid time off including vacation, sick days, and parental leave
• Professional development programs and tuition reimbursement
• Employee stock purchase plan and financial wellness resources
• On-site fitness centers and wellness programs at Chicago locations
• Diversity and inclusion initiatives with employee resource groups

JP Morgan Chase is an equal opportunity employer.