Job Responsibilities

• Analyze consumer and dealer/channel credit performance to identify key drivers of approval rate, booked volume, loss rate (incl. early loss), and profitability; translate findings into strategy recommendations.

• Build, refine, and maintain credit decisioning strategies (policy rules, cutoffs, segmentation) with a clear view of risk–growth–P&L; trade-offs.

• Design and support test-and-learn / challenger strategies to measure incremental impact, document assumptions, and recommend scale/rollback decisions.

• Support credit policy execution and governance by maintaining underwriting guidelines, decisioning logic documentation, and risk control frameworks aligned to business priorities.

• Partner cross-functionally (Risk, Underwriting, Finance, Product, Ops, Tech) to implement strategy changes in decisioning workflows/systems and track outcomes to targeted portfolio metrics.

• Monitor portfolio and dealer/channel trends for emerging risks (mix shifts, dealer behavior, macro impacts) and recommend mitigation actions consistent with risk appetite.





• Communicate insights and proposals to US stakeholders with clear, structured narratives and defensible analytical support.

• Contribute to special projects related to portfolio optimization, decisioning process improvement, and strategic initiatives.

Required Qualifications, Capabilities and Skills

4–7 years of experience in retail/auto credit decisioning, underwriting, or credit policy execution (bank/fintech/credit analytics organization).

• Hands-on Python and SQL skills (comfortable with data pulls, joins/aggregations, basic analytics, and synthesizing results into recommendations).

• Strong understanding of consumer credit risk concepts and how underwriting/decisioning changes impact portfolio outcomes (approval rate vs loss rate vs growth/profitability).

• Strong logical reasoning and structured problem solving; able to make transparent assumptions and produce defensible decisions.

• Excel

📌 Associate - Credit Strategy - Chase Auto (Bengaluru)
🏢 JPMorgan Chase
📍 Bengaluru