Business Lending Risk Analytics - Senior Associate

Job Description 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 Responsibilities Conduct 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 volumes, modification/settlement rates, and recovery rates of delinquent accounts. Acquire an understanding of operational processes such as manual underwriting, portfolio management, collections, etc. to understand past‑due account collection performance drivers. Conduct pre‑implementation and post‑implementation testing and 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 Skills Bachelor’s degree with minimum 5 years of professional experience related to risk management or other quantitative field of work. Master’s degree with minimum 3 years of professional experience related to risk management or other quantitative field of work. Background in statistics, econometrics, or other quantitative field. Advanced understanding of SAS, SAS Enterprise Miner, or other decision tree software. Ability to query large amounts of data and transform the raw data into actionable management information. Familiarity with risk analytic techniques and strong problem‑solving skills. Strong written and verbal communication skills. Preferred Qualifications, Capabilities And Skills Master’s degree. Intellectually curious and driven to identify meaningful insights using a data‑guided approach. Strong knowledge of debt collection regulations and practices. Experience delivering recommendations to management. Benefits We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. 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 provide benefits and programs to meet employee needs, such as 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. Detailed total compensation and benefits information will be provided during the hiring process. Equal Opportunity Employer 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. We do not discriminate on the basis of any protected attribute. We also make reasonable accommodations for applicants and employees’ religious practices and beliefs, as well as mental health or physical disability needs. #J-18808-Ljbffr JPMorganChase