Wholesale Credit Risk APAC/EMEA – Real Estate – Vice President

Location: Mumbai, Maharashtra, India

Job Family: Credit Risk

About the Role

At JP Morgan Chase, we are a leading global financial services firm with a proud history of innovation and client service excellence. The Wholesale Credit Risk team plays a pivotal role in safeguarding our portfolio while enabling sustainable growth. As a Vice President in Wholesale Credit Risk APAC/EMEA – Real Estate, based in our Mumbai office, you will join a dynamic Real Estate team tasked with leading credit coverage for a diverse array of clients and property portfolios spanning Europe, the Middle East, Africa, and Asia-Pacific regions. This role demands a strategic mindset to navigate complex international markets, ensuring robust risk management that supports JP Morgan Chase's commitment to responsible banking and long-term value creation. In this position, you will spearhead the end-to-end credit process, from initial due diligence and financial modeling to ongoing surveillance and advisory support for high-profile real estate transactions. Collaborating closely with origination, structuring, and compliance teams, you will provide expert insights into property valuations, market risks, and regulatory implications, all while mentoring junior colleagues to build a high-performing team. Your work will directly influence lending decisions on multimillion-dollar deals, contributing to the firm's leadership in commercial real estate finance across emerging and established markets. We seek a seasoned professional with a passion for real estate and risk who thrives in a collaborative, fast-paced environment. This role offers unparalleled exposure to global opportunities within JP Morgan Chase, including potential for advancement in our award-winning risk management function. Join us to leverage your expertise in shaping the future of wholesale credit in one of the world's most influential financial institutions.

Key Responsibilities

• Lead credit coverage for a diverse portfolio of real estate clients and properties across EMEA and APAC regions, ensuring comprehensive risk assessment and mitigation
• Conduct in-depth credit analysis, including financial modeling, property appraisals, and market trend evaluations to support lending decisions
• Manage ongoing portfolio monitoring, identifying emerging risks and recommending proactive strategies to senior management
• Collaborate with cross-functional teams, including origination, legal, and compliance, to structure complex real estate financing deals
• Develop and implement credit policies tailored to regional real estate dynamics, aligning with JP Morgan Chase's global risk framework
• Prepare detailed credit reports, presentations, and recommendations for approval committees and executive stakeholders
• Mentor and guide junior team members in credit processes, fostering a culture of excellence in risk management
• Stay abreast of geopolitical, economic, and regulatory changes impacting real estate sectors in EMEA and APAC
• Support business development by providing risk insights to origination teams for new client opportunities
• Ensure adherence to internal controls, AML/KYC standards, and regulatory reporting requirements

Required Qualifications

• Bachelor's degree in Finance, Economics, Business Administration, or a related field; advanced degree (MBA or Master's in Finance) preferred
• Minimum of 7-10 years of experience in credit risk management, with a focus on real estate lending or portfolio management in wholesale banking
• Proven track record in leading credit coverage for diverse client portfolios in EMEA and APAC regions
• Strong understanding of real estate markets, property valuation, and regulatory frameworks in international financial services
• Experience in credit analysis, risk assessment, and portfolio monitoring within a global banking environment like JP Morgan Chase
• Ability to work in a fast-paced, cross-border team setting with exposure to high-value transactions

Preferred Qualifications

• CFA, FRM, or equivalent certification in finance or risk management
• Prior experience in structured finance or real estate investment trusts (REITs) within APAC/EMEA
• Fluency in English and proficiency in another language such as Mandarin, Arabic, or French for regional client interactions
• Knowledge of Basel III/IV regulations and stress testing methodologies specific to real estate exposures
• Leadership experience in mentoring junior analysts in a corporate banking setting

Required Skills

• Advanced credit analysis and financial modeling using tools like Excel and Bloomberg
• Deep knowledge of real estate valuation techniques and market dynamics in APAC/EMEA
• Risk assessment and stress testing methodologies for wholesale lending portfolios
• Strong analytical and quantitative skills for portfolio performance evaluation
• Excellent communication and presentation skills for stakeholder interactions
• Leadership and team management abilities in a multicultural environment
• Proficiency in regulatory compliance, including Basel accords and local banking laws
• Project management skills for handling complex, cross-border transactions
• Attention to detail and problem-solving in high-stakes financial scenarios
• Adaptability to evolving market conditions and geopolitical risks
• Technical proficiency in data analytics tools such as SQL or Python for risk reporting
• Negotiation skills for credit structuring and client relationship management
• Strategic thinking for aligning risk strategies with business growth objectives
• Time management in a deadline-driven banking environment

Benefits

• Competitive base salary and performance-based annual bonus aligned with JP Morgan Chase's compensation philosophy
• Comprehensive health, dental, and vision insurance coverage for employees and eligible dependents
• Retirement savings plan with generous company matching contributions to support long-term financial security
• Paid time off including vacation, sick leave, and parental leave to promote work-life balance
• Professional development programs, including tuition reimbursement and access to internal training at the JP Morgan Chase Corporate University
• Employee stock purchase plan and other financial wellness benefits tailored to the financial services industry
• Global mobility opportunities with relocation support for international roles within the firm
• Wellness initiatives, including gym memberships, mental health resources, and flexible hybrid work arrangements in Mumbai

JP Morgan Chase is an equal opportunity employer.