Credit Risk Innovation Lead Associate - Corporate & Treasury Chief Investment Office

Job Description
Are you passionate about building products that shape the future of risk management? Join our Credit Risk Innovation team and help redefine how banking approaches credit risk analytics and portfolio management. You'll work at the intersection of product development, agile delivery, and technology, driving impactful solutions for our business and customers. This is your opportunity to make a real difference in a dynamic, forward-thinking environment. Be part of a team that values creativity, collaboration, and continuous improvement.
As a Credit Risk Innovation Lead Associate in Corporate & Treasury Chief Investment Office team, you will be at the center of keeping our firm strong and resilient. You will help us grow responsibly by anticipating new and emerging risks. Using your expertise in data, analytics, and AI, you will modernize our approach to solving real-world challenges that impact our company, customers, and communities. We value thinking outside the box, challenging the status quo, and striving to be best-in-class. Together, we create solutions that matter.
Job Responsibilities

• Drive product development for credit risk analytics from ideation to launch and iteration.
• Build scalable platforms using Python/PySpark, cloud technologies, and modern front-end frameworks.
• Integrate advanced risk models and analytics into banking products and portfolios.
• Collaborate with risk, product, and technology teams across geographies.
• Leverage AI/ML and automation to enhance credit risk review and monitoring.
• Develop product proposals, manage backlogs, and communicate progress to stakeholders.
• Apply agile methodologies in cross-functional squads and iterate quickly.
• Ensure solutions are data-driven, scalable, and regulatory-compliant.
• Translate technical concepts for business stakeholders.
• Champion innovation and continuous improvement.
• Prioritize features and drive adoption of new solutions.

Required Qualifications, Capabilities, and Skills

• Significant experience in product management or product development, ideally in risk analytics or banking technology.
• Proficiency in Python/PySpark, cloud platforms, data visualization, and front-end/back-end development.
• Solid understanding of credit risk, banking products, portfolio analytics, and regulatory requirements.
• Hands-on experience with agile frameworks, sprint planning, and backlog management.
• Ability to break down complex business challenges and deliver practical solutions.
• Strong communication skills for cross-team collaboration.
• Bachelor's degree in a quantitative or technical field.

Preferred Qualifications, Capabilities, and Skills

• Experience in product development, data science, or credit risk analytics.
• Practical experience with Generative AI, large language models, and automation in financial services.
• Knowledge of Retrieval-Augmented Generation architectures and enterprise AI applications.
• Experience implementing and integrating AI/ML models with cloud platforms.
• Understanding of MLOps practices for deploying and maintaining AI solutions.
• Strong UI/UX and dashboarding skills.
• Proficiency with agile tools and project management methodologies.

About Us
J.P. Morgan is a global leader in financial services, providing strategic advice and products to the world's most prominent corporations, governments, wealthy individuals and institutional investors. Our first-class business in a first-class way approach to serving clients drives everything we do. We strive to build trusted, long-term partnerships to help our clients achieve their business objectives.
We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.
About the Team
Our professionals in our Corporate Functions cover a diverse range of areas from finance and risk to human resources and marketing. Our corporate teams are an essential part of our company, ensuring that we're setting our businesses, clients, customers and employees up for success.