Strategic Analytics - Associate

Location: Bengaluru, Karnataka, India

Job Family: Risk Analytics/Modeling

About the Role

At JP Morgan Chase, we are a leading global financial services firm with a strong commitment to innovation and risk management. The Strategic Analytics - Associate role within the Consumer & Community Banking (CCB) Risk team focuses on credit card reporting and analytics. Based in our Bengaluru office, this position plays a critical role in leveraging data to drive strategic decisions, mitigate risks, and support the growth of our consumer lending portfolio. As an Associate, you will join a dynamic team of analysts and modelers dedicated to delivering high-impact insights that align with our firm's risk appetite and regulatory obligations. In this role, you will be responsible for developing sophisticated analytics models and reports that monitor credit card performance metrics, such as default probabilities, portfolio stress testing, and customer behavior patterns. You will collaborate closely with risk managers, product teams, and technology partners to analyze vast datasets from JP Morgan Chase's credit card operations, identifying trends and opportunities for optimization. Utilizing tools like SQL, Python, and Tableau, you will automate reporting processes and create intuitive dashboards that enable real-time decision-making, ensuring compliance with standards like Basel III and local Indian regulations. The ideal candidate thrives in a collaborative environment and brings a passion for financial analytics to contribute to JP Morgan Chase's mission of powering the progress of individuals and communities. This position offers exposure to cutting-edge risk technologies and the chance to influence strategies that protect and grow one of the world's largest credit card businesses. With opportunities for career advancement in our global Risk organization, you will be part of a firm that values diversity, inclusion, and professional growth.

Key Responsibilities

• Develop and maintain credit card risk analytics models to support portfolio monitoring and decision-making
• Generate comprehensive reporting on credit metrics, including delinquency rates, utilization, and loss forecasts for CCB Risk teams
• Collaborate with cross-functional teams to identify emerging risks in consumer credit portfolios
• Perform ad-hoc analyses to evaluate the impact of economic scenarios on credit card performance
• Enhance data quality and automate reporting processes using advanced scripting and ETL tools
• Support regulatory reporting and stress testing exercises in compliance with global standards
• Provide actionable insights to senior management on credit trends and mitigation strategies
• Contribute to the development of predictive models for fraud detection and customer segmentation
• Monitor key performance indicators (KPIs) and dashboards for real-time risk assessment
• Stay updated on industry best practices and integrate them into JP Morgan Chase's risk framework

Required Qualifications

• Bachelor's degree in Finance, Economics, Statistics, Mathematics, Computer Science, or a related quantitative field
• Minimum of 3 years of experience in credit risk analytics, reporting, or financial modeling within the banking or financial services industry
• Proficiency in SQL, Python, or R for data manipulation and analysis
• Strong understanding of credit card products, consumer lending, and regulatory requirements such as Basel III or IFRS 9
• Experience with data visualization tools like Tableau or Power BI
• Ability to work with large datasets and perform advanced statistical analysis
• Excellent communication skills with the ability to present complex data insights to non-technical stakeholders

Preferred Qualifications

• Master's degree in a quantitative discipline or MBA with a focus on finance
• Prior experience at a major financial institution like JP Morgan Chase or similar
• Knowledge of machine learning techniques applied to credit risk modeling
• Certification in data analytics (e.g., CFA, FRM, or Google Data Analytics)
• Experience with big data technologies such as Hadoop or Spark

Required Skills

• Advanced proficiency in SQL for querying large financial databases
• Programming expertise in Python or R for statistical modeling and automation
• Data visualization skills using Tableau, Power BI, or similar tools
• Strong analytical mindset with experience in credit risk assessment
• Knowledge of financial regulations and compliance in banking
• Excellent problem-solving abilities for complex data challenges
• Effective communication and presentation skills for stakeholder engagement
• Proficiency in Excel and advanced functions for financial analysis
• Understanding of machine learning algorithms for predictive analytics
• Project management skills to handle multiple priorities
• Attention to detail in data accuracy and reporting
• Team collaboration in a fast-paced financial environment
• Familiarity with big data tools like Hadoop or AWS services
• Quantitative skills in statistics and econometrics
• Adaptability to evolving risk management technologies

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 up to 6% of eligible pay
• 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 stock purchase plan and access to financial wellness resources
• Flexible work arrangements, including hybrid options in Bengaluru
• On-site wellness programs, gym access, and mental health support services

JP Morgan Chase is an equal opportunity employer.