Apply Now    

Associate– Strategic Analytics

Req #: 180014096
Location: Bangalore East, KA, IN
Job Category: Credit
Potential Referral Amount: 50000 Indian Rupee (INR)
 J.P. Morgan is a leading global financial services firm, established over 200 years ago:
  • We are the leader in investment banking, financial services for consumers and small businesses, commercial banking, financial transaction processing, and asset management.
  • We have assets of $2.5 trillion and operations worldwide
  • We operate in more than 100 markets.
  • We have more than 243,000 employees globally.
Our wholesale businesses include J.P. Morgan’s Asset Management, Commercial Banking and the Corporate & Investment Bank which provide products and services to corporations, governments, municipalities, non-profits, institutions, financial intermediaries and high-net worth individuals and families.
Our corporate functions support the entire organization and include the following functions: Accounting, Audit, Finance, Human Resources, Operations, and Technology.
J.P. Morgan in India provides a comprehensive range of Corporate & Investment Banking, Commercial Banking, Asset & Wealth Management, and Corporate functions services and solutions to our clients, executing some of the most important financial transactions and providing essential strategic advice to our clients such as the government, large domestic and multi-national corporations, non-government organizations and financial institutions and investors. India is a key market for JPMorgan Chase globally and our employees in India are a critical part of how we do business globally and are integrated within our businesses. Our Global Service Centers (GSCs) are strategically positioned in Mumbai, Bangalore and Hyderabad to support the firm’s operations regionally and globally. The centers provide comprehensive strategic support across technology and business operations processing to all lines of business and the corporate functions.
Chase Consumer & Community Banking serves nearly 66 million consumers and 4 million small businesses with a broad range of financial services through our 137,000 employees.  Consumer & Community Banking Risk Management partners with each CCB sub-line of business to identify, assess, prioritize and remediate risk. Our Risk Management professionals work directly with Consumer Banking, Business Banking, Auto/Student Loan, Card and Commerce Services, Chase Wealth Management and Mortgage Banking to minimize, monitor and control the probability of risk events and mitigate the impact of risk events that do occur.
Conduct moderate to complex analysis. Assist in developing, maintaining, and improving program policies, strategies, processes and procedures within the assigned function. Provide accurate and concise results with recommendations to management.  Synthesize data across functions/departments.  May be accountable for regular reporting or process administration. Primarily use advanced tools and techniques to perform assigned work.  May be considered a subject matter expect in a Business discipline  
Role and Responsibilities: 
  • Establish and develop a highly-skilled and motivated team to meet the growing needs of the business.
  • Continuously work with business, policy, finance and technology teams to improve strategies, identify and plug leakages and drive Judgmental decision making.
  • Leverage latest technologies to design, develop, evaluate and maintain machine learning algorithms including suite of predictive learning and analytics methods to build new scalable solutions for business problems.- Analyze and extract relevant information from large amounts of historical business data to help automate and optimize key processes/solutions.
  • To convert actionable insights into well-defined projects.
  • Spearheads the credit strategy development initiatives, ensuring that they remain consistent with the business's overall strategy.
  • Provides management visibility into data-driven insights that monitor the risk trends in the Judgmental Lending  portfolio and inform the business's strategic direction
  • Conduct business analyses, performance analyses, competitive analyses, loan portfolio analysis etc. to drive implementable insights and update credit processes and policies.
  • Track and reviews actual loan collections results, weighing them against the underwriting conducted in order to determine the effectiveness of the credit process and policies and implement necessary changes and solutions.
  • Forecasting and monitoring credit risk performance and business compliance.
  • Articulates the results of the analyses in reports, presentations, and recommendations to key stakeholders.
  • Develops new innovative models and approaches to underwrite credit better.
  • Responsible for reviewing the project milestones, risks, deliverables and provide valid inputs to business partner, consultants and challenge them with conviction, wherever applicable.


  • MS/ Bachelor’s degree in in Statistics, Econometrics, Operations Research, Mathematics (or equivalent quantitative field)
  • Typically 6+ years prior work experience in an analytical position within the discipline to be hired in and within the US Consumer Lending Business.
  • Ability to understand business needs, diagnose performance issues, and develop recommendations through combination of data analysis and business critical thinking.
  • Familiarity with current analytical techniques, e.g. regression, decision trees, segmentation techniques, etc. and experience with portfolio management and/or loss forecasting
  • Ability to prioritize goals to meet business objectives and work under pressure and multi-task in a fast-paced environment
  • Consumer Credit experience; incumbent should possess an understanding of the risk management practices of consumer lenders (preferably US auto lenders).
  • Drive for results.
  • Thought clarity & attention to detail.
  • Excellent verbal and written communication skills - ability to liaison with cross functional groups, present results to senior leaders, create effective
  • Strong SAS programming , Unix, Secure Shell and SQL programming skills
  • Advanced PC Skills, Word, PowerPoint, and Excel (graphs, charts, formulas etc.)
  • Demonstrated excellent written and oral communication skills to clearly present analytical findings and make business recommendations via the use of Microsoft Word, Excel, and PowerPoint
  • Evidence of initiative, productivity and teamwork
  • Prior experience in strategy / policy role of working in US Auto Finance (Loan and/or Lease) industry would be a preference.
Apply Now    

Join our Talent Community

Not ready to apply? Leave your information with us and we will keep you up to date with new career opportunities.

Things to note

Sign in to our application system to continue your job search or update your profile.

Current employees sign in here. Contractors sign in here.

Any information you provide is confidential and will only be viewed by our recruiters in an effort to fill open positions. In addition, the information you provide is subject to our privacy policy practices.

Please note that J.P. Morgan will not accept unsolicited approaches or speculative CVs, nor will J.P. Morgan be responsible for any related fees, from Third Party Firms who are not preferred suppliers.

The firm invites all interested and qualified candidates to apply for employment opportunities.

Need disability related assistance?

If you are a US or Canadian applicant with a disability who is unable to use our online tools to search and apply for jobs, please click here.

Important links

Click here to view the "EEO is the Law" poster.

Click here to view the "EEO is the Law" supplemental poster.

Click here to view our U.S. Pay Transparency Policy.

JPMorgan Chase is an equal opportunity and affirmative action employer Disability/Veteran.