Intraday Payments Risk

**JOB DESCRIPTION**
Are you ready to make impactful credit decisions in a dynamic environment? As a Payments Risk Vice President in our Commercial and Investment Bank (CIB) Wholesale Credit Risk Intraday Payments team, you'll play a crucial role in managing real-time credit decisions and ensuring sound risk management. Join us to leverage your expertise and achieve strategic outcomes.

As a Payments Risk Vice President in the CIB Wholesale Credit Risk Intraday Payments team, you will monitor and conduct real-time credit decisions for intraday payments. You will use your credit acumen to assess client credit characteristics, business portfolios, and payment complexities. Your role involves executing risk management decisions within credit authority levels and serving as a Subject Matter Expert on payment products and systems.

**Job responsibilities**
- Review and approve intraday overdrafts using credit authority
- Execute sound risk management decisions within firm policies and procedures
- Advise Credit Officers and the Business on large or complex intraday situations
- Learn client behaviors to identify abnormal activity and prepare for market events
- Participate in crisis management and risk mitigation actions
- Develop strong relationships with Sales, Client Service, Operations, and Risk partners
- Collaborate with senior team leads to balance firm and client interests
- Understand how products help clients while managing associated risks
- Assist in developing policies and procedures for team as the coverage model is developed and deployed
- Own daily deliverables and contribute to medium/long-term projects
- Challenge and improve risk reports and support the Payments Chief Risk Officer

**Required qualifications, capabilities, and skills**
- Bachelor’s degree in Finance or a related discipline
- Minimum of 7 years of experience in credit or other risk disciplines
- Ability to work autonomously in a time-sensitive environment, using data and critical thinking for real-time decisions
- Effective communication, organizational, and time management skills
- Qualitative and quantitative knowledge of credit risk management
- Ability to assess regulation impact on credit risk and translate into actionable deliverables
- Desire to understand various lines of business and develop technology platforms
- Proven control mindset and strong partnership skills

**ABOUT US**

J.P. Morgan is a global leader in financial services, providing strategic advice and products to the world’s most prominent corporations, governments, wealthy individuals and institutional investors. Our first-class business in a first-class way approach to serving clients drives everything we do. We strive to build trusted, long-term partnerships to help our clients achieve their business objectives.

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.

**ABOUT THE TEAM**

J.P. Morgan’s Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.