Risk Management -Wholesale Credit Risk Associate

Bring your Expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class.

Job summary

As a Wholesale Credit Risk Associate in the Wholesale Credit Quantitative Research Model Forecast Implementation Team, you design and implement modern risk modeling platforms and algorithms that power wholesale credit decisions. You partner with model developers and business stakeholders to translate complex analytics into scalable solutions. You grow your skills across quantitative modeling, numerical methods, and software engineering while contributing to resilient risk management.

Job responsibilities

• Develop statistical and quantitative risk models for wholesale credit portfolios.
• Design, implement, and maintain JPMorgan Chase wholesale credit models, including stress testing and credit reserve requirements; support model backtesting and validation.
• Implement efficient numerical algorithms using Python and optimized C libraries.
• Build object-oriented software for risk analytics and integrate new models into the Firmwide Forecasting Framework.
• Analyze and debug unexpected forecast behaviors to improve accuracy and robustness.
• Conduct peer code reviews to elevate quality and performance of the forecasting framework.
• Collaborate with model developers and business partners to implement, test, and operationalize forecasting capabilities.
• Present progress, findings, and roadmap updates to senior leaders and modeling teams.
• Manage project deliverables, defect remediation, and new feature releases across model development cycles.
• Review, implement, and test technical documentation to ensure clarity and compliance.

Required qualifications, capabilities, and skills

• Master’s degree or equivalent education in computer science, data science, mathematics, statistics, financial engineering, or related fields.
• Proficiency in object-oriented programming using C++ and Python.
• Strong knowledge of tools and methods for exploratory data analysis, such as Pandas and NumPy, which leverage efficient low-level C implementations.
• Experience with statistical modeling and Monte Carlo simulation.
• Ability to work with large datasets.
• Experience designing and consuming RESTful APIs for quantitative workflows (credit data, risk calculators, model executions).

Preferred qualifications, capabilities, and skills

• Experience with LLMs, prompt engineering, and AI-based agent coding tools is a plus.

We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.

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.

JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans