Business Lending Risk Analytics - Senior Associate

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 a Strategic Analytics Associate in Business Banking Risk, you will generate data‑driven insights and recommendations that inform strategy development, implementation, and performance monitoring across the Business Banking portfolio. You’ll transform complex datasets into actionable management information, design and test strategies that balance growth and credit risk, and maintain robust controls and documentation to ensure an audit‑ready environment. This opportunity offers high visibility, cross‑functional collaboration, and the chance to influence outcomes across the credit lifecycle—from acquisition and underwriting through portfolio management, collections, and recoveries.Job ResponsibilitiesConduct thoughtful analysis of borrowers, their demographics, and risk/profit performance with the firm’s products.Generate strategic recommendations for strategy development based on quantitative analytics and business intuition. Strategies are optimized to maximize profitability while minimizing risk.Develop and maintain periodic reporting and analytics on key metrics to provide management with emerging trends including (but not limited to) volumes, modification/settlement rates and recovery rates of delinquent accounts.Acquire an understanding of the operational processes (i.e. manual underwriting, portfolio management, collections, etc.) which will aid in understanding past due account collection performance drivers.Conduct pre-implementation and post-implementation testing & analysis to ensure strategic changes produce expected impacts.Contribute to the team’s ‘audit-ready’ state by keeping organized documentation, following established control processes, and developing draft responses to internal audit and regulatory questions.Required Qualifications, Capabilities and SkillsBachelor's degree with minimum 5 years of professional experience related to risk management or other quantitative field of workMaster's degree with minimum 3 years of professional experience related to risk management or other quantitative field of workBackground in statistics, econometric, or other quantitative fieldAdvanced understanding of SAS, SAS Enterprise Miner, or other decision tree softwareAbility to query large amounts of data and transform the raw data into actionable management informationFamiliarity with risk analytic techniques and strong problem solving skillsStrong written and verbal communication skillsPreferred Qualifications, Capabilities and SkillsMaster's degree Intellectually curious and driven to identify meaningful insights using a data guided approachStrong knowledge of debt collection regulations and practicesExperience delivering recommendations to managementChase 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 Our Consumer & Community Banking division serves our Chase customers through a range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. We’re proud to lead the U.S. in credit card sales and deposit growth and have the most-used digital solutions – all while ranking first in customer satisfaction. Risk Management helps the firm understand, manage and anticipate risks in a constantly changing environment. The work covers areas such as evaluating country-specific risk, understanding regulatory changes and determining credit worthiness. Risk Management provides independent oversight and maintains an effective control environment. Full timePosting Date: 2026-04-20