JC
Cards Finance - Associate - Lending Innovation
full-time•Bengaluru
About this role
You are a strategic thinker passionate about driving solutions in Financial Analysis. You have found the right team.
As a Financial Associate in the Card Investment Strategy team, you will own the financial evaluation framework for our key Card lending strategy “Chase Pay over Time”, leading analytical initiatives that directly impact strategy decisions and serve as a trusted advisor to senior stakeholders across the organization. In this role, you will develop sophisticated NPV forecasts, translate complex quantitative analysis into actionable insights, and coordinate impacts to the Card budget, including stressed scenarios.
Job responsibilities
- Develop comprehensive financial impact assessments and NPV modeling for Credit Cards lending strategies leveraging data manipulation techniques & robust forecasting/statistical methodologies
- Create data-driven insights and quantitative models to guide senior leadership on revenue and growth opportunities
- Collaborate with cross-functional teams and senior stakeholders to translate business objectives into actionable analytical frameworks
- Drive business planning, forecasting, and regulatory stress testing in partnership with Card Finance
- Analyze ongoing financial performance, identify key variance drivers and opportunities, and present findings to senior stakeholders
- Identify and implement process improvements to enhance modeling efficiency and forecasting accuracy
- Maintain model governance documentation and ensure compliance with regulatory and audit standards
- Provide mentorship to analysts and associates, and lead cross-functional teams, fostering knowledge sharing and best practices
Required qualifications, capabilities and skills
- Bachelor’s/ Post Graduate degree in Finance, Mathematics , Accounting, Economics, or a related field
- 4+ years of experience in data analytics, risk or finance-related role
- Proficiency in SAS/SQL/Python & Business Intelligence tools
- Good business understanding of Lending products like Credit Cards , Unsecured Loans
- Proficient in building P&L and financial modeling concepts (NPV, ROI, etc.)
- Proficiency in Microsoft Office, especially Excel and PowerPoint
- Adept at working with granular data tables to draw out segment-level profitability
- Experience in forecasting and budgeting
- Strong quantitative, critical thinking, and analytical skills
- Excellent verbal and written communication skills
- Strong organizational and process skills, with attention to detail
- Capable of working autonomously in an ambiguous dynamic, matrixed environment and managing multiple responsibilities with tight timelines
Preferred qualifications, capabilities and skills
- Knowledge of Card, Consumer lending, or other financial services
JPMorganChase, 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. We also make reasonable accommodations for applicants’ and employees’ religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.
Our Consumer & Community Banking division serves our Chase customers through a range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. We’re proud to lead the U.S. in credit card sales and deposit growth and have the most-used digital solutions – all while ranking first in customer satisfaction.
Global Finance & Business Management works to strategically manage capital, drive growth and efficiencies, maintain financial reporting and proactively manage risk. By providing information, analysis and recommendations to improve results and drive decisions, teams ensure the company can navigate all types of market conditions while protecting our fortress balance sheet.
What you'll do
- The Financial Associate will develop financial impact assessments and NPV modeling for Credit Cards lending strategies while collaborating with cross-functional teams. They will also analyze ongoing financial performance and present findings to senior stakeholders.
About JPMorgan Chase & Co.
With a history tracing its roots to 1799 in New York City, JPMorganChase is one of the world's oldest, largest, and best-known financial institutions—carrying forth the innovative spirit of our heritage firms in global operations across 100 markets.
We serve millions of customers and many of the world’s most prominent corporate, institutional, and government clients daily, managing assets and investments, offering business advice and strategies, and providing innovative banking solutions and services.
Social Media Terms and Conditions: https://bit.ly/JPMCSocialTerms
JPMorgan Chase & Co. is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
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Frequently Asked Questions
What does a Cards Finance - Associate - Lending Innovation do at JPMorgan Chase & Co.?
As a Cards Finance - Associate - Lending Innovation at JPMorgan Chase & Co., you will: the Financial Associate will develop financial impact assessments and NPV modeling for Credit Cards lending strategies while collaborating with cross-functional teams. They will also analyze ongoing financial performance and present findings to senior stakeholders..
Is the Cards Finance - Associate - Lending Innovation position at JPMorgan Chase & Co. remote?
The Cards Finance - Associate - Lending Innovation position at JPMorgan Chase & Co. is based in Bengaluru, India. Contact the company through Clera for specific work arrangement details.
How do I apply for the Cards Finance - Associate - Lending Innovation position at JPMorgan Chase & Co.?
You can apply for the Cards Finance - Associate - Lending Innovation position at JPMorgan Chase & Co.directly through Clera. Click the "Apply Now" button above to start your application. Clera's AI-powered platform will help match your profile with this opportunity and guide you through the application process.