Job Description

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 The Card Credit Forecasting Team is a high performance team, responsible for providing allowance/budget/capital analysis numbers for various macroeconomic scenarios that directly impact the firm\'s P&L. The team also performs in-depth analysis of the portfolio to draw insights on existing and emerging risks, analyses model performance and limitations, develops strategic overlays, and has a strong handle on end-to-end controls for the processes they run. The team is responsible for performing measurement and capture of idiosyncratic risks for capital planning purposes, both internal and regulatory. Responsibilities may include designing stress scenarios and shocks, managing the end-to-end scenario analysis, framework, performing detailed analysis of stress drivers, and responding to regulatory requests (e.g. CCAR). The team also engages with Technology to further enhance the stress framework, and work in close concert with controllers, finance, and other stakeholders This an excellent opportunity for an individual who thrives in a fast-paced and team-oriented environment where strong analytical skills, business acumen, and superior communication skills are leveraged to support our company\'s ability to accurately forecast our losses and identify early signs of credit risks Key responsibilities for this role include:

• A bility to analyze data and forecast results in a business and financial context
• Explain the variations in forecast model outputs based on portfolio trends, planned business actions and model components/assumptions
• Understand how inputs and outputs are generated and ability to modify inputs and output for what if scenario or regression testing of the models.
• Estimation of model overlay or management adjustment to be added to raw model output
• Work closely with upstream and downstream partners to communicate outcomes and analysis
• Support all results through appropriate documentation
• Manage various monthly and quarterly reporting and commentary including slide and deck preparation with attention to accuracy and deadlines
• Develop enhanced reporting through use of automation, if required, such as excel macros or SAS programming as needed
• Manage ad hoc analysis; starting with identifying the opportunities and issues, collecting data, analyzing and presenting the data
• Presenting findings, recommendations and presentations to Senior Management.
• Partner with Data and Controls teams, as well as other internal groups to ensure strong controls and accuracy of model inputs (e.g., portfolio, macroeconomic variables)

Minimum Skills, Experience and Qualifications

We are looking for someone excited to join our organization. If you meet the minimum requirements below, you are encouraged to apply to be considered for this role.

• Bachelor\'s degree in a quantitative discipline; Math, Finance, Statistics, Economics or equivalent work/training is required; advanced degree is preferred
• 5.5+ years of related analytical experience
• Deep credit risk experience in one or more US consumer credit portfolios (i.e. U.S. Mortgage, Home Equity, Credit Card, Automotive, Lease, Business Banking)
• Knowledge of the Forecasting process, macroeconomics and finance preferred
• Strong technical and statistical skills. Ability to synthesize data and communicate to leadership in a concise and effective manner, both verbally and written
• Focused attention to detail, analytical & inquisitive with high standards for quality and accuracy
• Ability to coordinate across multiple stakeholders across geographies
• Project Management Skills - well-organized, structured approach. Ability to achieve tight timelines on complex deliverables. Ability to manage and prioritize projects across cross-functional groups
• Strong communication and interpersonal skills, ability to interact with individuals across departments / functions and with senior-level individuals
• Able to work effectively under pressure and in a rapidly changing environment in order to meet deadlines
• Collaborative, team-oriented, passionate about supporting our internal / external clients
• Self-starter, able to take the initiative and operate independently on a daily basis
• Strong understanding of controls and dedicated to continuously improving processes
• 5.5+ years of SAS (including SAS Macros) & SQL programming experience
• Highly proficient in Microsoft Office suite of products (Excel and PowerPoint, experience with Essbase a plus)

Additional Skills, Experience and Qualifications

The following additional items will be considered but are not required for this role

• Knowledge of Tableau/R/Python
• Desire to mentor and oversee the development of credit analysts in the team

JPMorgan Chase & Co., one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world\'s most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management. 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. In accordance with applicable law, we make reasonable accommodations for applicants\' and employees\' religious practices and beliefs, as well as any mental health or physical disability needs.