Wholesale Credit Risk Product Owner Analyst/Associate

Location: LONDON, United Kingdom

Job Family: Analysts

About the Role

At JP Morgan Chase, we are at the forefront of redefining the future of financial services, and our Wholesale Credit Risk team plays a crucial role in safeguarding the firm's stability. As a Wholesale Credit Risk Product Owner Analyst/Associate in our London office, you will become a key player in maintaining the strength and resilience of the firm by owning the end-to-end lifecycle of credit risk products. This role involves bridging the gap between business needs, technology capabilities, and regulatory demands in the wholesale banking sector, ensuring our products deliver robust risk management solutions for corporate and institutional clients. You will thrive in a collaborative environment where innovation meets precision, contributing to JP Morgan's legacy as a global leader in finance. In this position, you will lead product strategy for wholesale credit risk tools, from ideation to deployment, working closely with engineers, data scientists, and risk experts. Your responsibilities will include defining user stories, managing backlogs, and driving agile sprints to enhance features like credit scoring algorithms and exposure monitoring systems. You will analyze emerging risks in the financial markets, incorporate feedback from stakeholders, and ensure all developments comply with stringent UK and EU regulations, such as those from the PRA and ECB. This role offers the opportunity to influence high-impact decisions that protect billions in assets and support JP Morgan's commitment to ethical banking practices. Joining JP Morgan Chase means being part of a world-class institution that values diversity, innovation, and professional growth. In London, a hub for global finance, you will have access to cutting-edge resources and mentorship from industry veterans. This Analyst/Associate level role is ideal for motivated professionals eager to advance their career in risk management while contributing to the firm's mission of powering the progress of economies worldwide. If you are passionate about product ownership in a high-stakes financial context, this is your chance to make a lasting impact.

Key Responsibilities

• Lead the development and enhancement of wholesale credit risk products to ensure alignment with business objectives and regulatory standards
• Collaborate with cross-functional teams including risk, technology, and compliance to define product roadmaps and prioritize features
• Conduct market analysis and stakeholder consultations to identify gaps in current credit risk offerings
• Oversee the implementation of agile processes for product delivery, including sprint planning and backlog management
• Monitor product performance metrics and drive continuous improvements in risk assessment models
• Ensure compliance with JP Morgan Chase's risk management frameworks and global policies
• Facilitate user acceptance testing and provide training on new product features to end-users
• Contribute to strategic initiatives aimed at strengthening the firm's resilience against credit risks
• Report on product progress to senior management and regulatory bodies as required

Required Qualifications

• Bachelor's degree in Finance, Economics, Business Administration, or a related field
• Minimum of 2-5 years of experience in credit risk management, product ownership, or related roles within financial services
• Strong understanding of wholesale credit risk products and regulatory requirements such as Basel III and CRD IV
• Proficiency in data analysis tools and risk modeling software used in banking
• Experience with agile methodologies and product lifecycle management
• Ability to work in a fast-paced, regulated environment in the UK financial sector

Preferred Qualifications

• Advanced degree (Master's or MBA) in Finance or Risk Management
• Certification in FRM (Financial Risk Manager) or CFA (Chartered Financial Analyst)
• Prior experience at a global investment bank like JP Morgan Chase
• Knowledge of UK-specific regulations including PRA and FCA guidelines

Required Skills

• Expertise in credit risk assessment and modeling
• Proficiency in SQL, Python, or R for data analysis
• Knowledge of financial regulations and compliance standards
• Agile and Scrum methodologies
• Strong analytical and problem-solving abilities
• Excellent communication and stakeholder management skills
• Project management and prioritization techniques
• Understanding of wholesale banking products
• Risk quantification and scenario analysis
• Attention to detail and regulatory awareness
• Team collaboration and leadership
• Adaptability in a dynamic financial environment
• Proficiency in Microsoft Office Suite and Jira
• Business acumen in investment banking

Benefits

• Competitive base salary and performance-based annual bonuses
• Comprehensive health, dental, and vision insurance coverage
• Generous pension contributions and retirement savings plans
• Paid time off including vacation, sick leave, and parental leave
• Professional development opportunities through JP Morgan's internal training programs
• Employee assistance programs for wellness and mental health support
• Flexible working arrangements and hybrid work options in London
• Access to exclusive employee discounts and financial advisory services

JP Morgan Chase is an equal opportunity employer.