As a Digital Risk and Control Manager - Credit Products Lead, you will support Financial & Digital Credit Lending Product Managers in transforming credit and lending experiences. You will advise on operational risks, enabling Product teams to deliver innovative products with superior customer outcomes while maintaining a robust controls environment that ensures the firm's safety, stability, and resilience.
As part of the 1st line of defense, you will oversee risks and controls, identify weaknesses, recommend improvements, and educate the business on risk posture across the digital lending lifecycle, including lead enablement, loan origination, credit risk, portfolio management, and digital lending tools.
Job Responsibilities
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- Develop and execute strategies across control frameworks, designing effective end-to-end control solutions for technology builds in collaboration with stakeholders.
- Foster a culture of partnership, collaboration, and transparency with product teams and other functions, serving as a subject matter expert and escalation point for control obligations.
- Provide leadership support for the end-to-end execution of the Control and Operational Risk Evaluation (CORE), ensuring that controls become a natural part of the product development lifecycle, to reduce financial loss, regulatory exposure, and reputational risk.
- Lead and motivate a team to minimize financial loss, regulatory exposure, and reputational risk, while providing feedback and training on risk concepts to support innovative digital experiences.
- Identify, quantify, communicate, and manage business risks, providing resolution recommendations and pinpointing root causes and key themes.
- Collaborate with Product teams to develop creative risk management solutions that enhance customer experience and ensure effective, sustainable controls.
- Advise and educate partners on risk identification and control design to deliver innovative experiences within risk appetite.
Required Qualifications, Capabilities and Skills
- 12+ years of risk & controls management or relatable experience, supporting the development of financial & digital credit lending products, with a strong ability to evaluate adequacy of business risk and control environment
- Exceptional leadership, organizational, problem solving, and analytical skills; solid critical thinking and analysis in technical scenarios; attention to detail and able to synthesize large amounts of data and formulate creative and innovative solutions to complex problems
- Able to think about a problem from first principles, taking innovative approaches to address user needs and to work effectively in highly agile environments, delivering value whilst dealing with high degrees of uncertainty and continuous change
- Strong presentation skills, including generating presentations and effectively communicating to senior management
- Experience working in financial services or a highly regulated industry
- Comfortable working with modern collaboration tools like Jira, Confluence, Teams etc.
- Able to work autonomously to affect change - flexible, adaptable to shifting priorities; manages competing priorities to achieve the most effective result and able to work in a fast-paced, results driven environment
Preferred Qualifications, Capabilities and Skills
- Experience working with the following commercial lending products strongly preferred: Syndications, Leveraged Finance, Environmental, Social, Green (ESG), Collateral Based (ABL, Equipment, Commercial Mortgage), Trade & Treasury
- Experience leading and developing teams to achieve organizational goals
- Working in a matrix management model across globally diverse, virtual teams to deliver strategic initiatives and commitments, ideally leveraging product and Agile principles
- Networking -interpersonal skills; exceptional collaboration, openness and relationship building skills
ABOUT US
JPMorganChase, 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 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
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.