Intraday Payments Credit Risk Officer

**JOB DESCRIPTION**
Are you ready to make impactful credit decisions in a dynamic environment? Join our team as an Intraday Payments Credit Risk Officer - Associate and play a crucial role in managing real-time credit decisions. This is your opportunity to work in a fast-paced setting, leveraging your expertise to achieve strategic outcomes and ensure sound risk management. Be part of a team that values innovation and collaboration, and make a significant impact on our global operations.

As an Associate in the Commercial & Investment Bank (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**
- Monitor and build up to real-time credit decisions (Approval/Rejection/Escalation) for intraday payments
- Review and approve overnight overdrafts using credit authority within the firm's framework
- Work with Credit Officers and the Business to address business disruptions and implement solutions
- Learn client behaviors to identify abnormal activity and prepare for market events
- Participate in crisis management and risk mitigation actions, including Rapid Exposure Drills (RED)
- Develop strong relationships with Sales, Client Service, Operations, and Risk partners
- Collaborate with senior team leads to balance firm and client interests
- Serve as a Subject Matter Expert on payment products, flows, and systems
- Assist in developing policies and procedures to enhance governance and control
- 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**
- Minimum of a Bachelor’s degree in Economics, Finance, Business or a related discipline
- Minimum of 4 years of experience in credit risk, market risk, liquidity risk or financial risk management
- Ability to work autonomously in a time-sensitive environment, using data and critical thinking for real-time decisions
- Strong 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.