Associate - Credit Strategy - Chase Auto
JPMorgan Chase & Co. (company site, opens in a new tab)4–7 yrsBengaluruOn-siteDirect career pageEst. 18–30 LPA
Posted on 23 Sept
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Job description
Structured overview of role & requirements
About This Role
- Analyze consumer and dealer/channel credit performance to drive strategy recommendations involving approval rates, booked volume, loss rates, and profitability.
- Build, refine, and maintain credit decisioning strategies focusing on risk-growth-P&L trade-offs, including designing test-and-learn/challenger strategies and supporting credit policy execution and governance.
- Partner cross-functionally to implement strategy changes in decisioning workflows/systems, monitor portfolio risks and trends, and communicate insights clearly to US stakeholders.
Minimum Requirements
- 4–7 years of experience in retail/auto credit decisioning, underwriting, or credit policy execution within bank, fintech, or credit analytics organizations.
- Hands-on skills in Python and SQL for data extraction, aggregation, and analysis.
- Strong understanding of consumer credit risk concepts and their impact on portfolio outcomes including approval rate, loss rate, growth, and profitability.
- Excellent written and verbal communication skills to work with US-based stakeholders across time zones.
Ideal Candidate Profile
- Experienced in managing risk-growth-profitability trade-offs within consumer credit portfolios, with ability to translate data insights into actionable credit strategies.
- Familiar with decisioning engines, rules-based platforms, and operationalizing credit policy changes including test-and-learn frameworks.
- Able to work effectively across time zones with strong stakeholder management skills and concise communication style suited for US-based business partners.