Wholesale Credit Risk EMEA – Consumer, Healthcare, Retail – Vice President

Location: Paris, France

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. The Wholesale Credit Risk EMEA team plays a critical role in safeguarding the firm's portfolio while enabling sustainable growth. As a Vice President in the Consumer, Healthcare & Retail Corporate Team based in Paris, France, you will join a dynamic group focused on delivering high-quality credit risk solutions for key industries across Europe, the Middle East, and Africa. This role offers the opportunity to work on complex transactions, influence strategic decisions, and contribute to JP Morgan's commitment to responsible banking in a rapidly evolving regulatory landscape. In this position, you will perform in-depth credit analysis on corporate borrowers, evaluating financial statements, industry trends, and macroeconomic factors specific to consumer goods, healthcare providers, and retail operations. You will partner closely with front-office teams to structure deals that align with the firm's risk tolerance, while ensuring adherence to stringent EMEA regulations such as those from the European Banking Authority. Your insights will directly impact credit approvals, portfolio monitoring, and proactive risk mitigation strategies, helping JP Morgan maintain its position as a trusted advisor to global clients. We value professionals who thrive in collaborative environments and bring a blend of technical expertise and commercial acumen. This role not only provides exposure to high-profile deals but also opportunities for career progression within JP Morgan's extensive global network. If you are passionate about credit risk and eager to make an impact in the financial services industry, join us in Paris to shape the future of wholesale banking.

Key Responsibilities

• Conduct comprehensive credit risk assessments for corporate clients in the consumer, healthcare, and retail industries across EMEA
• Develop and recommend credit structures, including covenants and pricing, to mitigate risks while supporting business growth
• Collaborate with origination teams, relationship managers, and senior stakeholders to provide credit approval recommendations
• Monitor portfolio performance, identify early warning signs, and manage distressed credits in line with JP Morgan's risk appetite
• Ensure compliance with internal policies, regulatory requirements, and EBA reporting standards
• Contribute to the development of sector-specific risk models and stress testing scenarios
• Support ad-hoc analyses for senior management and contribute to strategic risk initiatives
• Build and maintain relationships with clients and internal teams to enhance credit decision-making processes
• Participate in credit committee meetings and provide expert insights on industry trends

Required Qualifications

• Bachelor's degree in Finance, Economics, Business Administration, or a related field; advanced degree (MBA or Master's) preferred
• Minimum of 7-10 years of experience in credit risk management, preferably within wholesale banking or financial services
• Strong understanding of credit analysis, underwriting, and risk assessment for consumer, healthcare, and retail sectors
• Proficiency in regulatory frameworks such as Basel III, CRR/CRD IV, and EBA guidelines applicable to EMEA
• Fluency in English; proficiency in French is highly desirable for Paris-based role
• Experience working in a multinational financial institution with exposure to EMEA markets

Preferred Qualifications

• CFA, FRM, or equivalent certification in finance or risk management
• Prior experience at a bulge-bracket bank like JP Morgan Chase in credit risk roles
• Knowledge of sustainable finance and ESG factors in credit risk assessment
• Experience with portfolio management and stress testing in volatile markets

Required Skills

• Advanced credit analysis and financial modeling
• Proficiency in Excel, PowerPoint, and financial databases like Bloomberg or Moody's Analytics
• Strong knowledge of accounting principles (IFRS, GAAP)
• Regulatory compliance and risk management expertise
• Analytical thinking and problem-solving abilities
• Excellent communication and presentation skills
• Stakeholder management and relationship building
• Attention to detail and accuracy in high-pressure environments
• Industry knowledge of consumer, healthcare, and retail sectors
• Project management and prioritization skills
• Adaptability to fast-paced, dynamic financial environments
• Team collaboration and leadership qualities
• Quantitative analysis and data interpretation

Benefits

• Competitive base salary and performance-based annual bonus
• Comprehensive health, dental, and vision insurance coverage
• Generous retirement savings plan with company matching contributions
• Paid time off including vacation, sick leave, and parental leave
• Professional development opportunities through JP Morgan's internal training programs
• Employee stock purchase plan and financial wellness resources
• Flexible working arrangements and support for work-life balance
• Global mobility programs and career advancement pathways within JP Morgan Chase

JP Morgan Chase is an equal opportunity employer.