Credit Risk Associate Jobs in Philadelphia, PA (NOW HIRING)

Bring your expertise to JPMorgan Chase.  As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You 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. 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 an Executive Director in the Credit Point of View team within CCB Risk, you will be accountable for consumer credit analysis across industry product types and CCB portfolios - informed by changes in the competitive landscape, consumer behavior, and macro-economic influences.  The credit views are used to support the Chief Risk Officer (and other senior leaders including the firm CRO, CFO, Investor Relations and Regulators) with a proactive viewpoint on consumer credit trends. You will be a strategic architect of compelling views of consumer and wholesale credit risk across CCB. 

Job Responsibilities:

• Perform analysis to research credit and consumer behavior trends, understand their drivers, and conduct impact assessments on consumer credit portfolios.
• Evaluate how changes in the consumer credit environment impact the performance of credit portfolios - with a particular focus on macroeconomic, socioeconomic, and competitive intelligence trends.
• Research topics sourced from the media, investor questions, and general industry trends and proactively apply quantitative disciplines to associate topics with potential emerging risks around delinquency, loss and roll-rates, and forecasts.
• Build compelling data visualizations and distill key information clearly from large amounts of data.

• Communicate key findings, participate in forums, and advance the dialogue around credit trends within the risk community at both the analyst and executive levels

Required qualifications, capabilities, and skills: 

• Minimum 7 years of credit experience, in one or more consumer credit portfolios
• College degree or equivalent in business, economics, statistics, STEM or related field of study
• Econometric experience (e.g., competence in understanding key macro drivers of credit risk, customer behavior, and lending strategy) with a strong sense of data source familiarity (Census, BLS, FRED data)
• Strong data and analytical skills including familiarity with tools such as SAS, SQL, Alteryx, Tableau and python to manipulate big data into manageable analytics and identify, explain, and visualize key trends 
• Experience with complex risk analyses (delinquency, roll-rates, and other risk measurements) to provide senior management with business insights of consumer credit quality and behavior trends, and portfolio performance
• Communication skills and ability to convey risk management results, outlooks and cross-consumer points of view to senior executives

Preferred qualifications, capabilities, and skills 

• Deep credit risk experience in one or more consumer credit portfolios (i.e. Mortgage, Home Equity, Credit Card, Auto/Lease, Business Banking), Chase LOB data/product experience 

Chase is a leading financial services firm, helping nearly half of America's households and small businesses achieve their financial goals through a broad range of financial products. Our mission is to create engaged, lifelong relationships and put our customers at the heart of everything we do. We also help small businesses, nonprofits and cities grow, delivering solutions to solve all their financial needs. 

We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions.  We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process. 

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.

Equal Opportunity Employer/Disability/Veterans