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Risk - Credit Forecasting Central Strategy - VP

Plano, TX, USA | J.P. Morgan

  • Industry:
    Financial Services
  • Position Type:
    Full-Time
  • Functions:
    Financial Services Professional
    Risk Management
  • Experience:
Job Description:
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Data Analysis:

Directing the analysis and interpretation of big data and its impact in both operational and financial areas

Evaluating how changes in the macroeconomic environment (including competitor trends) impact the performance of credit portfolios.

Leveraging the output of internal teams that can complement existing credit views such as chase Customer 360 for customer level data and SPG for Market Implied views of credit.

Researching Trends:

Creating and monitoring different mechanisms of detecting emerging risks including but not limited to delinquency, loss and roll rate trends, forecast misses and breakages in correlations. 

Partner with quantitative teams and the various lines of business to develop leading indicators of the credit cycle and to pick up on trends that could have a broader impact across credit portfolios.

Creating Outside-In views of consumer credit including partnerships with Credit Bureaus for off us Credit information and Econometric firms such as Moody’s.

Communication:

Lead next generation executive level communication to a variety of C-level audiences with respect to the credit risk outlook for all CCB lines of business

Creating different mechanisms of detecting emerging risks including but not limited to delinquency, loss and roll rate trends, forecast misses and breakages in correlations. 

Creating Outside-In views of consumer credit including partnerships with Credit Bureaus for off us Credit information and Econometric firms such as Moody’s.

Participate in forums to promote the dialogue around credit trends within the risk community at both the analyst and executive levels.

Document findings into compelling reports for senior management risk dialogue and escalation.

Contribute to next generation executive level communication with a variety of C-level audiences with respect to the credit risk outlook for all CCB lines of business.

Required Skills

Deep credit experience, in one or more consumer credit portfolios

Ability to influence technical subject-matter-expert teams to work on problems together with a commercial orientation. The role will be dependent on product analytic teams to dig deeper into trends in their portfolios when these trends are detected at a more global level.

Demonstrated ability to innovate. Since a large part of the role will be working with teams such as Chase 360 (big data), as well as with quantitative teams, the person in the role must demonstrate open-mindedness and the willingness to explore new views and ways of evaluating the health of existing credit portfolios.They should possess data and analytic skills including the ability to pull data using SAS or SQL, manipulate big data into manageable data sets, and utilize analytic skills to identity and explain data trends.

The ability to conduct complex risk analyses and provide senior management with business insights of consumer credit quality and behavior trends, and portfolio performance.

Must have an orientation towards creating views and uncovering risks that drive action for CCB and JPMCB, i.e., the ability to focus on material measures of success for CCB Risk.

Demonstrated experience in communicating with regulatory and investor relations teams to convey risk management results, outlooks and cross-consumer points of view 

Executive level communication skills, both verbal and written/presentation.

Ability to develop an auditable control framework for the research completed by the team 

Desired Skills

Econometric experience (e.g., competence in understanding key macro drivers of credit risk, customer behavior and lending strategy)

Quantitative experience (e.g., partnering with modelling or deep analytic teams to drive practical results and points of view)


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