Associate - Credit Strategy - Chase Auto
JPMorgan Chase & Co. (company site, opens in a new tab)4–7 yrsBengaluruOn-siteDirect career pageEst. 16–28 LPA
Posted on 23 Sept
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Job description
Structured overview of role & requirements
About This Role
- Analyze consumer and dealer credit performance to identify drivers of approval rate, booked volume, loss rate, and profitability and provide strategy recommendations.
- Build, maintain, and test credit decisioning strategies balancing risk, growth, and P&L trade-offs.
- Partner cross-functionally to implement strategy changes, monitor portfolio risks and dealer trends, and support credit policy governance and documentation.
Minimum Requirements
- 4–7 years of experience in retail/auto credit decisioning, underwriting, or credit policy execution in bank/fintech/credit analytics.
- Hands-on Python and SQL skills for data extraction, analysis, and synthesis into recommendations.
- Strong understanding of consumer credit risk and impact of underwriting/decisioning on portfolio outcomes.
- Excellent written and verbal communication for working with US-based stakeholders across time zones.
Ideal Candidate Profile
- Experience with decisioning engines or rules-based platforms and operationalizing policy changes.
- Familiarity with test-and-learn or challenger strategy frameworks and portfolio monitoring techniques (vintage, roll rates, segmentation).
- Proven ability to manage stakeholders across time zones and produce clear decision memos and updates.