Join International Consumer Banking (ICB) as we continue to expand our digital banking and investing platforms across the region. You will help shape how we set, monitor, and report risk appetite, partnering with stakeholders across Risk, Finance, and control functions. This role offers high visibility, cross-functional collaboration, and the opportunity to support new business initiatives.
The ICB Capital & Credit Forecasting team maintains ownership of production, reporting, and analytics for business planning, allowance process, credit loss forecasting, ICAAP/ICARA/CCAR and Risk Appetite. In addition, this team is responsible for providing insights to key business partners on macroeconomic developments and internal risk insights.
As a Risk Appetite Lead Senior Associate in the ICB Capital & Credit Forecasting team, you lead risk appetite regular reporting, annual recertification, new business initiatives assessment, and governance submissions across risk disciplines and geographies. You collaborate closely with stakeholders across Legal Entity Risk, Finance, Controllers, Credit Risk, and Forecasting teams. You translate complex information into clear insights for senior management and support a strong risk and control environment.
Job Responsibilities
- Own the profitability and credit risk appetite annual recertification, quarterly reporting, sensitivity analysis and stakeholder management across geographies and legal entities
- Partner with relevant risk stripe leads across the firm to maintain and oversee a central view of financial risks within ICB
- Lead on risk appetite development where necessary. This could include risk appetite for new lending products and propositions
- Act as a strategic partner to the business and key stakeholders, providing early insights and risk appetite view of new propositions, business plans and macroeconomic changes
- Lead risk appetite policy/procedure development and reviews, as well as proactively make changes as required by the business strategy
- Take ownership of the maintenance and execution of all controls related to key risk appetite processes
- Provide support to Material Risk Inventory (new risk identification, quarterly reporting) and emerging risk identification
- Prepare and deliver impactful presentations for senior management and other key stakeholders
- Relevant experience in credit risk, finance, forecasting, or a closely related risk discipline
- Experience with risk appetite frameworks, key credit risk metrics, and/or regulatory engagement
Required qualifications, capabilities and skills
- Ability to translate economic or technical language into intuitive forms for senior management
- Investigative mindset, motivated to take initiative and solve problems independently
- High level of confidence and strong verbal and written communication skills to manage frequent interactions outside immediate team
- Strong independent mindset and team player, comfortable working with all levels of the organization
- Interest and ability to work in a fast-paced and dynamic environment
- Experience with preparing presentations with clear charts and graphs as well as comfortable in data aggregation and analytics in Excel
- Strong project management skills dealing with multiple stakeholders and priorities at same time, as well as delivering high-quality results within tight deadlines.
Preferred qualifications, capabilities and skills
- Experience with the use of AI tooling is a highly desirable characteristic
Skills Required
- Experience in credit risk, finance, forecasting, or a closely related risk discipline
- Experience with risk appetite frameworks, key credit risk metrics, and/or regulatory engagement
- Ability to translate economic or technical language into intuitive insights for senior management
- Strong verbal and written communication skills with confidence managing frequent stakeholder interactions
- Ability to work independently, investigate issues, take initiative, and collaborate across organizational levels
- Ability to work effectively in a fast-paced and dynamic environment
- Experience preparing presentations with clear charts and graphs
- Comfort with data aggregation and analytics in Excel
- Strong project management skills handling multiple stakeholders, priorities, and tight deadlines
- Experience using AI tooling
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 — Health coverage is considered comprehensive, including medical, dental, and vision, alongside wellness and mental health resources. Some locations add onsite health centers and related wellbeing support.
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Retirement Support — Retirement offerings include a 401(k)-type savings plan and related financial benefits, with options such as employee stock purchase participation. Financial planning resources are also highlighted to support long-term savings.
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Parental & Family Support — Paid parental leave of 16 weeks for birth or adoption is available for all parents. Child care and back-up child care resources further reinforce family support.
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.
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