Wholesale Credit (Business Banking)- Bengaluru -2026 ReEntry Program

Location: Bengaluru, Karnataka, India

Job Family: Credit Risk

About the Role

JPMorgan Chase & Co. is a leading global financial services firm with assets of $3.9 trillion and operations worldwide. As part of our Wholesale Credit team in Business Banking, the Associate (Credit Sr. Officer) role within the 2026 ReEntry Program offers a unique opportunity for experienced professionals returning to the workforce. Based in Bengaluru, this position focuses on credit risk management for mid-market and corporate clients, supporting the firm's commitment to innovative lending solutions in the Indian market. The ReEntry Program is designed to reintegrate skilled talent, providing mentorship, training, and a collaborative environment to rebuild careers in finance. In this role, you will perform in-depth credit underwriting and risk analysis for business banking portfolios, evaluating financial statements, industry risks, and borrower viability. You will partner with cross-functional teams to structure credit facilities, ensure adherence to JP Morgan's rigorous risk standards, and contribute to portfolio monitoring amid evolving economic conditions. Leveraging your expertise, you will prepare detailed credit recommendations and participate in decision-making processes that drive sustainable growth for clients while mitigating potential losses. The ideal candidate thrives in a dynamic setting, combining technical proficiency in credit methodologies with a deep understanding of the financial services landscape. This position not only offers exposure to high-impact projects but also aligns with JP Morgan's culture of excellence, diversity, and inclusion. Join us to make a meaningful impact on global business banking while advancing your career in one of the world's most respected institutions.

Key Responsibilities

• Conduct comprehensive credit analysis and underwriting for business banking clients, focusing on wholesale credit products
• Assess financial health of corporate borrowers, including ratio analysis and cash flow projections
• Prepare credit memos, risk ratings, and recommendations for senior management approval
• Monitor credit portfolios, identify early warning signs, and recommend mitigation strategies
• Collaborate with relationship managers and business teams to structure lending solutions
• Ensure compliance with internal policies, regulatory requirements, and Basel guidelines
• Perform due diligence on new and existing clients in the Indian market
• Support the ReEntry Program by mentoring junior analysts and contributing to team development
• Analyze market trends and economic factors impacting business banking credit risk
• Participate in credit committee meetings and provide expert insights on risk exposures

Required Qualifications

• Bachelor's degree in Finance, Accounting, Economics, or a related field
• Minimum of 3-5 years of experience in credit risk analysis, underwriting, or commercial banking
• Strong understanding of financial statements, credit analysis, and risk assessment methodologies
• Proficiency in financial modeling and Excel; knowledge of banking regulations in India
• Prior experience in wholesale credit or business banking within a financial institution
• Ability to work in a fast-paced, team-oriented environment in Bengaluru
• Fluency in English; knowledge of local business practices in the Indian market

Preferred Qualifications

• MBA or advanced certification in finance or risk management
• Experience with JP Morgan Chase systems or similar banking platforms
• Familiarity with wholesale lending products for mid-market businesses
• Previous involvement in credit portfolio management or stress testing
• Certifications such as CFA, FRM, or equivalent in credit risk

Required Skills

• Credit analysis and financial modeling
• Risk assessment and portfolio management
• Proficiency in Microsoft Excel and financial software
• Knowledge of Indian banking regulations and compliance
• Analytical thinking and problem-solving
• Strong communication and presentation skills
• Attention to detail and accuracy in reporting
• Team collaboration and stakeholder management
• Understanding of wholesale lending products
• Data interpretation from financial statements
• Time management in high-pressure environments
• Adaptability to regulatory changes
• Quantitative analysis skills
• Business acumen in mid-market sectors
• Ethical decision-making in risk scenarios

Benefits

• Competitive base salary and performance-based bonuses aligned with JP Morgan standards
• Comprehensive health insurance coverage for employees and dependents
• Retirement savings plan with employer matching contributions
• Paid time off, including vacation, sick leave, and parental leave
• Professional development opportunities through JP Morgan's learning programs
• Employee assistance programs for wellness and financial counseling
• Flexible work arrangements and hybrid options in Bengaluru
• Access to global mobility programs and career advancement within JP Morgan Chase

JP Morgan Chase is an equal opportunity employer.