Job summary:
Are you interested in contributing to keeping JPMorganChase strong and resilient? If you are keen to be part of the Credit Risk team to help the firm grow its business in a responsible way by anticipating new and emerging risks and using your expert judgement to solve real-world challenges that impact our company, customers, and communities, this opportunity is for you. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo, and striving to be best-in-class.
As a Vice President in the Wholesale Credit Risk team, you will be based in Mumbai, supporting the India and Japan Wholesale Credit Risk teams. You will be at the forefront of executing transactions across derivatives, liquidity and cash management products, vanilla and structured loans, as well as acquisition & leveraged finance. You will be working closely with our business partners from various sectors including Global Investment Banking, Commercial Banking and Corporate Banking as well as Markets and Securities Services and Global Payments. Your role will be pivotal in promoting credit analytics including risk rating determination, industry assessment with a key focus on due diligence, structuring, negotiation, documentation, and approval of transactions. You will also be responsible for the ongoing credit monitoring and review work for all client facilities, providing you with a diverse and dynamic work environment.
Job responsibilities
- Be responsible for ongoing supervision and management of an assigned portfolio of corporate and institutional clients across a range of industries
- Take a lead role in the due diligence, structuring and documentation for transactions
- Conduct detailed review of forward-looking credit analysis, along with necessary financial modelling, to provide insight into clients’ industries and the key business and financial risks they face
- Exercise a meaningful credit approval authority
- Interact closely with transaction stakeholders including client coverage and product bankers, credit executives and legal counsel
- Review various credit and regulatory reporting requirements
- Mentor and develop junior Wholesale Credit Risk team members
- Track market and industry developments and their impact on clients
- Recommend and monitor internal credit ratings; and
- Support the team with ongoing ad-hoc initiatives and work streams
Required qualifications, capabilities and skills
- At least 6 years’ experience gained in a credit risk or credit analysis role within corporate, institutional and/or investment banking
- Strong credit risk analysis skills covering both qualitative and quantitative analysis
- Strong understanding of products across loans, derivatives and liquidity and cash management products as well as related documentation
- Ability to take an active role in identifying key issues and concerns relating to clients, their industries and transaction structures
- Strong interpersonal skills
- Ability to demonstrate good time management and clarity in thinking when dealing with multiple work streams in a fast-paced environment
- Ability to foster relationships and confidently interact with origination teams and other internal stakeholders
Preferred qualifications, capabilities and skills
- Highly proficient in Microsoft Excel with an ability to navigate through financial models, as well as other Microsoft programs (PowerPoint, Word, Outlook etc.)
- CA or Post graduate qualifications in accounting, business, finance, or a quantitative related discipline from a Tier-1 business school preferably
- Proficiency in written and verbal communication in Japanese is advantageous but not required
About Us
JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world’s most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.
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.
Skills Required
- At least 6 years of experience in credit risk or credit analysis within corporate, institutional, or investment banking
- Strong qualitative and quantitative credit risk analysis skills
- Strong understanding of loans, derivatives, liquidity, cash management products, and related documentation
- Ability to identify key issues and concerns relating to clients, industries, and transaction structures
- Strong interpersonal skills
- Ability to manage time and think clearly across multiple workstreams in a fast-paced environment
- Ability to build relationships and interact confidently with origination teams and internal stakeholders
- Proficiency in Microsoft Excel and familiarity with financial models
- Proficiency in Microsoft PowerPoint, Word, and Outlook
- CA or postgraduate qualification in accounting, business, finance, or a quantitative discipline
- Qualification from a Tier-1 business school
- Written and verbal Japanese proficiency
JPMorganChase Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about JPMorganChase and has not been reviewed or approved by JPMorganChase.
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Healthcare Strength — Medical, dental, vision, and mental-health coverage are broad, with wellness incentives, on-site or virtual care, and an EAP offering coaching and counseling. Plan materials emphasize accessible options, including multiple medical choices and tools to manage costs.
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Parental & Family Support — Paid parental leave extends up to 16 weeks for all parents, supplemented by paid Critical Caregiver Leave. Family resources include backup childcare via Bright Horizons, lactation support and milk-shipping, family-building assistance, and even a free five-month SNOO rental for newborns.
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Retirement Support — Retirement programs include a 401(k) with an annual company match and automatic pay credits for most employees, with a legacy pension available to earlier hires. An Employee Stock Purchase Plan at a 5% discount further supports long-term savings.
JPMorganChase Insights
What We Do
JPMorgan Chase & Co. (NYSE: JPM) is a leading global financial services firm with assets of $3.7 trillion and operations worldwide. The firm is a leader in investment banking, financial services for consumers and small businesses, commercial banking, financial transaction processing, and asset management. A component of the Dow Jones Industrial Average, JPMorgan Chase & Co. serves millions of consumers in the United States and many of the world’s most prominent corporate, institutional and government clients under its J.P. Morgan and Chase brands. Technology fuels every aspect of our company and is at the heart of everything we do. With over 50,000 technologists globally and an annual tech spend of $12 billion, we are dedicated to improving the design, analytics, development, coding, testing and application programming that goes into creating high quality software and new products. Learn more about technology at our firm, explore resources from our Distinguished Engineers, AI & ML researchers, and other experts; access the latest episode of our TechTrends podcast, and more at www.jpmorgan.com/technology. Information about JPMorgan Chase & Co. is available at www.jpmorganchase.com. ©2023 JPMorgan Chase & Co. All rights reserved. JPMorgan Chase is an Equal Opportunity Employer, including Disability/Veterans.
Why Work With Us
Our technologists work on a diverse range of solutions that include strategic technology initiatives, big data, mobile, electronic payments, machine learning, cybersecurity, enterprise cloud development, and other state-of-the-art technologies.
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