Investment Decisioning - Cards Finance - Associate - Bengaluru

• *JOB DESCRIPTION**

The Cards \& Connected Commerce Finance team provides real\-time insights to Cards \& Connected Commerce leadership on Business Performance, Annual operating plans, Standard financial reporting, Bespoke analysis, Investment decisioning, Marketing analytics, Card P\&A, Card Forecasting Modelling and Financial Analytics. The team is structured with dedicated CFO's or CFO support teams, with each card product having its own on dedicated P\&L and subsequent Balance sheet impacts. Team is adept translating business scenarios to actionable financial insights and is called upon to help on real time business decisioning on a variety of topics.

As a Cards Finance Associate within our Finance team, you will define, refine, and deliver financial goals that support our firm's card acquisition strategy. You will collaborate with cross\-functional partners in Marketing, Sales, and Product to align financial objectives with business goals and promote market expansion and customer growth. You will perform detailed financial analyses, including cost\-benefit assessments, ROI and NPV calculations, and performance tracking to inform investment decisions. You will forecast financial results for acquisition initiatives using advanced analytical techniques and scenario\-based modeling to guide resource allocation. You will build comprehensive financial business cases that quantify ROI, payback periods, and sensitivities to key promoters for strategic initiatives. You will design and maintain reports and dashboards that provide timely, accurate financial results and insights to senior leadership. You will prepare and present regular financial reports, forecasts, and executive\-ready presentations that highlight key trends, risks, and opportunities. You will define and monitor KPIs and success metrics to evaluate campaign performance and promote continuous improvement. You will enhance financial controls and streamline processes by introducing automation to reduce cycle times and error rates. You will cultivate strong relationships with internal and external stakeholders, providing clear, data\-promoten recommendations that support informed decision\-making.

Job Responsibilities

• Track and evaluate card acquisition campaign performance, leveraging data\-driven insights to optimize strategies and improve outcomes.
• Forecast financial results for acquisition strategies using advanced statistical techniques (e.g., time series modeling, cohort analysis, scenario planning, Monte Carlo simulations) to guide investment decisions.
• Define and monitor KPIs and success metrics to measure performance and drive continuous improvement.
• Build comprehensive financial business cases that support strategic initiatives and quantify ROI, payback, and sensitivity to key drivers.
• Develop and track performance metrics; create executive\-ready presentations; and deliver financial analysis on a wide range of topics for senior management.
• Partner closely with Marketing, Sales, and Product to align financial objectives with business goals and accelerate card acquisition.
• Cultivate strong relationships with internal and external stakeholders, providing financial expertise and timely support.
• Design and implement new reports and dashboards to efficiently deliver financial results and insights to senior leadership.
• Enhance controls and streamline processes, introducing automation to reduce cycle times and error rates.
• Prepare insightful, high\-quality senior management presentations with clear narratives and actionable recommendations.

Deliver weekly, monthly, and quarterly reporting packages as required.

• Ensure all reports include insightful commentary on key movements, underlying drivers, and watch items.

Required qualifications, capabilities, and skills

• CFA/ MBA/ (Finance)/ PG in Statistics/Economics(or similar educational background)
• Experience in credit card strategies, financial analysis, or related areas
• Strong financial analytical skills – Fusion of Finance and Data Capabilities
• Strong Team Management Skills – With experience in managing Associate level population
• Excellent communication and partnering skills. Ability to multi\-task and work autonomously within team environment
• Ability to research issues/problems and provide a 'solution\-based' approach. Adaptable to change and ambiguity in the work environment
• Expert knowledge of Excel (i.e. use of pivot tables, macros, arrays, etc)
• Inquisitive, enthusiastic, and diligent, and capable of challenging status quo
• Highly motivated and able to thrive and think clearly under pressure and tight deadlines
• Highly motivated self\-starter with excellent time management/prioritization skills
• Strong analytical and problem\-solving skills with ability to analyze large data sets and present conclusions concisely

Preferred qualifications, capabilities, and skills

• 4\+ years of experience in finance, preferably within the banking or financial services industry.
• Background in Data Science a strong plus. Experience in SQL/SAS/Python/Tableau a plus

• *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 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**

Our Consumer \& Community Banking division serves our Chase customers through a range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. We're proud to lead the U.S. in credit card sales and deposit growth and have the most\-used digital solutions – all while ranking first in customer satisfaction.

The CCB Data \& Analytics team responsibly leverages data across Chase to build competitive advantages for the businesses while providing value and protection for customers. The team encompasses a variety of disciplines from data governance and strategy to reporting, data science and machine learning. We have a strong partnership with Technology, which provides cutting edge data and analytics infrastructure. The team powers Chase with insights to create the best customer and business outcomes.