JPMorgan Off Campus Hiring 2026: Analyst | Mumbai & Bengaluru | Apply Online
JPMorgan Chase & Co. is hiring for the position of Analyst – Credit Risk in India. This is a full-time opportunity within the Commercial & Investment Bank, offering candidates the opportunity to work with credit risk, financial analysis, portfolio management, and risk assessment.
The role involves working with business partners and risk teams to assess creditworthiness, monitor financial performance, identify potential risks, and support credit-related decisions.
About The Company
J.P. Morgan is a leader in financial services, offering solutions to clients in more than 100 countries with one of the most comprehensive global product platforms available. We have been helping our clients to do business and manage their wealth for more than 200 years. Our business has been built upon our core principle of putting our clients’ interests first. J.P. Morgan is part of JPMorgan Chase & Co. (NYSE: JPM), a global financial services firm.
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JPMorgan Recruitment 2026 Details:
Job Role: Analyst - Credit Risk
Job ID: 210732810
Business Unit: Commercial & Investment Bank
Job Type: Full Time
Experience: Entry-level / Relevant experience preferred
Job Location: Mumbai & Bangalore, India
Salary: Rs 4.5 LPA – Rs 12 LPA
Application Mode: Online
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Job Description
As an Analyst – Credit Risk, you will work with the Emerging Markets Credit Risk team and collaborate closely with business partners and risk professionals. The position involves evaluating the creditworthiness of corporate borrowers, monitoring financial performance, identifying emerging risks, and supporting credit decisions.
The role provides exposure to areas such as financial statement analysis, credit underwriting, portfolio monitoring, macroeconomic trends, industry analysis, and risk assessment.
You may work with various types of corporate borrowers, including large-cap and middle-market companies, as well as leveraged finance borrowers.
- Assume coverage of a portfolio of EMEA corporate clients across diversified sectors (e.g., Business services, Machinery & Equipment, Transportation, Auto, Airlines, Aerospace & Defence), including grading and reviewing credit risk exposures.
- Track financial performance updates, earnings events, liquidity and covenant compliance, and other developments impacting the assigned portfolio.
- Monitor risk and exposure metrics across counterparties and the portfolio, contributing to sector analyses and early‑warning assessments.
- Participate in due diligence processes for onboarding new EMEA clients (both mid and large Caps) and reviewing existing ones, including preparation and analysis of business models, cash flow generation, debt capacity, and refinancing risk.
- Produce concise and insightful credit memos, articulating recommendations for facilities, limits, tenor, covenants, collateral/security, and inter creditor arrangements.
- Support analysis and approval processes for leveraged finance and lending requests, including RCFs, term loans and bond transactions.
- Develop knowledge of legal documentation for corporate markets and banking products, including credit agreements, bond indentures, inter creditor agreements, and security and guarantee packages.
- Participate in team and department‑level projects to improve processes and drive efficiencies, leveraging AI / LLM.
Required qualifications, capabilities, and skills
- Ability to navigate and interpret corporate financial statements (Balance Sheet, P&L, CF).
- Familiarity with cash flow modelling and valuation methods (including DCFs).
- Broad understanding of macroeconomic and sector factors affecting corporates and leveraged finance borrowers.
- Basic knowledge of lending, capital markets, and derivatives products; familiarity with leveraged finance and covenant structures.
- Ability to establish credibility and trust with internal business partners and credit officers.
- Good communication skills, both verbal and written, with decision‑oriented analysis.
- Expertise with MS Office products, including Excel, PowerPoint, and Word.
- Self‑starting and capable of multitasking, with adaptability to change.
- Ability to efficiently work and engage with colleagues and stakeholders across geographies, including London, Frankfurt, Paris and Mumbai.
Preferred qualifications, capabilities, and skills
- Previous experience in a Credit Risk department or leveraged finance underwriting, including skills in cash flow modelling and financial analysis.
- Familiarity with corporate business models, sponsor dynamics, and covenant packages.
- Knowledge of a second European language (French, German, Italian, Spanish) or working towards / having a professional certification (e.g. CFA, FRM) are considered a plus.
- Degree in Finance, Accounting, Economics or STEM subjects preferred (other subjects also considered).
- Online Application
- Resume/CV Screening
- Recruiter Screening
- Technical / Functional Assessment
- Credit Risk & Financial Analysis Interview
- Managerial / Business Interview
- HR Discussion
- Final Selection & Offer
- Updated Resume/CV
- Educational qualification details
- Academic certificates/mark sheets
- Government-issued ID, if required
- Relevant professional certification details
- Previous employment details, if applicable
- Internship or project details, if applicable
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How to Apply for JP Morgan Recruitment Drive?
All interested and eligible candidates can apply for this post online by the following Official Application link as soon as possible.
Application Link: Apply Now
Note: Apply the job before link Expires
Frequently Asked Questions (FAQ)
1. What is the job role at JPMorgan Chase?
The position is Analyst – Credit Risk.
2. What is the Job ID?
The Job ID mentioned in the posting is 210732810.
3. Which business unit is hiring?
The position is part of the Commercial & Investment Bank.
4. Where is the Analyst – Credit Risk position located?
The posting lists locations in Mumbai, Maharashtra and Bengaluru, Karnataka.
5. Is this a full-time job?
Yes. The job schedule is listed as Full Time.
6. What skills are required for this role?
Key skills include financial statement analysis, cash-flow modelling, valuation, credit analysis, risk assessment, macroeconomic analysis, lending, capital markets and strong communication skills.
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