Are you looking for an exciting opportunity to join a agile and growing team in a fast paced and challenging area? This is a unique opportunity for you to work in our team to partner with the Business to provide a comprehensive view.
As an Associate in EMEA Consumer, Healthcare and Retail Wholesale Credit Risk team covering corporate clients in the Commercial & Investment Bank (CIB). You will cover a diversified portfolio of Investment and Non-Investment Grade counterparties, with responsibility for conducting credit analysis, managing portfolio exposures, and reviewing and approving transactions across a wide range of credit products.
Job Responsibilities
- Prepare concise credit memos with clear recommendations on transaction structure, risk appetite, and grading.
- Support due diligence, leading where required, and prepare credit analysis of counterparties.
- Build and maintain financial models; challenge key assumptions, design downside scenarios, and articulate modelling conclusions to stakeholders.
- Negotiate and interpret loan documentation (including LMA standards and leveraged finance) and derivative or other facility terms to mitigate risk.
- Manage and monitor the credit risk portfolio across sectors and products, including ongoing tracking of ratings, sector trends, and client performance; proactively adjust limits and manage exposures.
- Cover a broad product set, including secured and unsecured loans, derivatives, trade finance, and treasury products.
- Coordinate with senior leaders across the Commercial & Investment Bank, product specialists, and senior Credit Officers to align risk decisions and approvals.
- Apply firm risk management policies and engage with control stakeholders, including Regulators and Auditors.
- Develop junior talent through structured coaching, on-the-job training, and formal learning sessions.
Required qualifications, capabilities, and skills
- Demonstrated analytical rigor and credit judgment, with the ability to ident
📌 CIB Risk Associate (Mumbai)
🏢 JPMC
📍 Mumbai