CCB - Home Lending Risk Strategic Analytics - Vice President
Location
Mumbai | India
Job description
Job Description
Strategic Analytics Vice President (603) within CCB Risk – Home Lending CCB - Home Lending - Strategic Analytics and Data The Strategic Analytics and Data team within HL Risk provides analytical insights and recommendations to the risk policy owners and the Home Lending Chief Risk Officer to help manage and mitigate risk and support regulatory deliverables. The department also provides accurate data to assist the production of financial forecasts, and the development of credit and financial models. The analytical viewpoints span nearly all aspects of mortgage banking including influencing policy for new loan originations, loan servicing, capital markets, the bank's held-for-investment loan portfolio, and financial forecasts and reserves.
Job Description Our VPs are relatively senior members of the Risk Management and Strategic Analytics team within Chase Home Lending. They focus on
data driven strategy analysis , identification of
emerging risks , development of
insightful reporting , and presenting findings to business partners and business leaders. They own and lead analytics that provide a
Risk point-of-view , make
data-driven recommendations to mitigate risks, and solve business issues that have a direct impact on the bottom-line. They develop and monitor key-leading indicators of risk and detect, analyze, summarize, and escalate unexpected trends to senior management for Chase as well as Industry.
In this role, the candidate will be expected to
utilize various industry data to provide insights on Chase's market position and understand the drivers for any changes observed. This includes
research into industry origination& servicing policies and trends, performance and how they compare to Chase, and understanding how internal policy changes may impact our volume and performance. The candidate will also be expected to conduct emerging risk research through monitoring housing and macroeconomic data trends.
Across these major responsibilities the candidate will need to be able to extract, manipulate and analyze portfolio performance data from multiple internal databases, match and compare with data from external sources to understand portfolio behavior in the light of external events/trends.
Other responsibilities include performing
ad-hoc analysis and generate thoughtful insights for Risk Management by extracting data, performing data manipulation and quality checks, and developing
actionable insights via impactful presentations to peers and senior management.
Background And Technical Skills - Good understanding of Credit Risk and providing risk point of view. Exposure to lending products with ability to identify and analyze segments of risk and 8+ years of experience in data analytics with ability to carry our segmentation, data mining and evaluate time-series data
- Sound understanding of a data querying language or manipulation tool such as SAS, SQL, or Python. Exposure/awareness of Alteryx and Tableau or similar tools
- Strong organizational skills to proactively build and manage their own book of work
- Effective time management skills to handle competing priorities appropriately and meet tight deadlines
- Capable of working independently to solve business problems and recommending solutions to meet department goals
- Ability to mentor junior team members to detect, analyze, summarize and escalate unexpected trends in the data to senior management
- Strong written and verbal communication skills, ability to summarize wide-ranging research into a crisp and concise takeaway for a senior audience and graduate degree in a field such as (but not limited to) Engineering, Mathematics, Statistics, MIS, IT, Economics, Risk Management, Analytics, Finance, or Accounting
Other Skills (you should be able to demonstrate strong examples of these skills):
- Experience in managing stakeholders – building trust through hard work and honest assessments of projects, strong communication, high emotional intelligence
- Working as part of a highly productive team, where culture and cooperation are critical for success.
Preferred Qualifications - Any prior experience working with large relational databases and synthesizing large quantities of data using tools such as Teradata, ORACLE or Snowflake is a plus
- Any prior experience working within a consumer bank, particularly within a risk or compliance function, or within the home lending line of business is a plus
- Prior experience in the mortgage business or knowledge of the residential real estate market in the United States is a plus
- Any prior experience building and operating within a well-controlled data environment (following established procedures, recommending enhancements to controls) is a plus
About Us 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.
About The Team 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.
Risk Management helps the firm understand, manage and anticipate risks in a constantly changing environment. The work covers areas such as evaluating country-specific risk, understanding regulatory changes and determining credit worthiness. Risk Management provides independent oversight and maintains an effective control environment.
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