Wholesale Credit Risk Associate

As part of Risk Management and Compliance, you are at the center of keeping JPMorganChase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks and using your expert judgment 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. In this role, you will be a key member of the iSPRESO Product Team within Wholesale Credit Risk Product, owning product workstreams end to end and partnering with credit risk teams, technology, data and AI partners, subject matter experts, and other stakeholders. You will help onboard portfolios, deliver new product features, and keep the financial data that credit monitoring, grading, and analytics depend on accurate and reliable.

As a Risk Associate within Risk Management and Compliance, you will be a key member of a credit risk product team owning product workstreams end to end, from requirements through production. You will partner with credit risk teams, technology partners, data partners, and subject matter experts to onboard portfolios and deliver new product features. You will help ensure the financial data used for credit monitoring, grading, and analytics is accurate and reliable. You will use data analysis and controls to identify issues early and support resolution through to closure. You will communicate clearly with stakeholders through demos, working sessions, and status updates.

Job responsibilities 

• Own product workstreams end to end, from requirements through build, user acceptance testing, release, and production support
• Gather requirements from credit risk stakeholders and write clear user stories with acceptance criteria, user interface mockups, and test data
• Build and maintain financial data models and templates for portfolios (line items, formulas, validations), and onboard new portfolios with credit risk users and subject matter experts
• Source, map, and onboard vendor and market data and define how it flows into the product and to downstream consumers
• Define requirements for application programming interfaces, event feeds, and data lake views that downstream monitoring, grading, and analytics teams rely on, and validate what they receive
• Use SQL and Python to analyze data, reconcile product outputs against source systems and application programming interfaces, and set up controls that catch issues before users see them
• Apply large language model and artificial intelligence capabilities to product use cases, including large language model-based financial spreading, and use artificial intelligence tools to automate analysis, testing, and documentation
• Plan and run user acceptance testing with documented test evidence; triage production issues and ServiceNow tickets, drive root-cause analysis with technology, and see fixes through to closure
• Define and track product metrics and key performance indicators, deliver recurring and ad hoc reporting, and use the results to inform prioritization
• Run product demos, working group, and feedback sessions with stakeholders, and support release coordination and status communication
• Partner with solution architects and technologists on technical approaches, and help onboard and mentor new joiners and interns

Required qualifications, capabilities, and skills 

• Bachelor’s Degree in finance, economics, computer science, engineering, or a related field
• 3+ years of relevant work experience in credit risk, financial data, product, business analysis, or a related capacity
• Understanding of financial statements (balance sheet, income statement, cash flow, trailing twelve month and year to date periods) and their relevance for credit and banking use cases
• Hands-on SQL and Python (or similar) for analysis, mapping, and reconciliation of large datasets
• Experience writing clear requirements (user stories, acceptance criteria) and testing delivered features
• Strong, clear, and concise written and verbal communication skills, including summarizing analysis for senior stakeholders
• Excellent organizational skills and attention to detail; able to manage multiple workstreams and competing priorities under tight deadlines
• Proven ability to collaborate and build strong partnerships across business, technology, and data teams in a matrix organization
• Ownership mindset, intellectual curiosity, and a proven ability to learn quickly
• Experience using data and metrics to drive decisions

Preferred qualifications, capabilities, and skills 

• Experience with data vendors and their application programming interfaces or feeds
• Familiarity with application programming interfaces, event streaming (for example Kafka), and data platforms (Oracle, data lakes, Databricks, or Dremio)
• Prior experience in implementation of artificial intelligence or large language model-based solutions or using artificial intelligence tools to automate work
• Experience creating user interface mockups and working with technology and user experience design colleagues on technical designs
• Experience with Agile delivery using JIRA and Confluence
• Exposure to credit monitoring, risk grading, or financial spreading processes