Consumer and Community Banking - Credit Decisioning Unit - Senior Associate

As a Credit Decisioning Unit (CDU) Sr Associate within the CCB Business Banking organization, you will conduct complex credit analyses, analyze and organized performance data, and help define underwriting and policy frameworks aligned with the firm's risk appetite and financial objectives. You will collaborate with key partners to balance growth and profitability while ensuring strong governance, controls, and regulatory compliance at JPMorgan Chase.

Job Responsibilities

• Lead comprehensive analytics to measure and challenge key business initiatives and be able to independently generate solutions

• Provide thought leadership and lead initiatives end to end, including defining problem statements, identifying risks and opportunities, securing stakeholder buy-in, and bringing ideas to life

• Work independently and in teams to identify and assess performance trends, utilizing both statistical and data mining tools and quantitative methodologies

• Prepare and present detailed performance monitoring reports to senior management and stakeholders, ensuring clear communication of findings

• Conduct data mining and apply mathematical and statistical theory and tools to monitor internal and external behavioral data and analyze the performance and profitability of existing strategies using randomized test/control setup

• Design metrics to track performance of initiatives against expectations, as well as provide business insights based on analytic findings to further develop the firm's risk appetite framework

• Evaluate emerging risk trends across the credit lifecycle


• Create and execute a consistent framework to assess loss and profitability dynamics associated with credit decisions for evaluation of adherence to the firm's risk appetite


• Summarize and communicate findings to influence leaders using methods that are both detailed as well as understandable by uniformed audiences

Required Qualifications, Capabilities and Skills

• Ability to logically structure and execute analyses using strong analytic, interpretive and problem solving skills

• Ability to translate complex analysis into practical solutions and create concise presentations with sound business conclusions


• A master's degree or higher in a quantitative discipline (ex: Finance, Statistics, Economics, Mathematics, Operations Research, among others) with 3+ years analytics experience or 5+ years of analytics experience

• Possess the drive to succeed, be results oriented, have high attention to detail, and independently make decisions

• Previous experience with either SAS, SQL, Python, or Tableau analytic tools (other coding languages would be considered)

Preferred Qualifications, Capabilities and Skills

• Knowledge of business banking lending

To be eligible for this role, you must be authorized to work in the United States. We do not offer any type of employment-based immigration sponsorship for this role. Likewise, JPMorgan Chase & Co., will not provide any assistance or sign any documentation in support of any other form of immigration sponsorship or benefit including optional practical training (OPT) or curricular practical training (CPT).

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