Senior Associate, Financial Analysis - Business Banking Lending Finance
JPMorganChase · Columbus, OH · Yesterday
On-siteFinanceFull-time
About the role
Bring your analytical expertise to a role where your work directly shapes small business lending strategy. You'll join a team that turns complex performance and pricing questions into clear, decision-ready insights. Partnering closely with Product, Risk, Credit Decisioning, Legal, and Compliance, you'll help deliver well-governed pricing outcomes.
Job Responsibilities
- Collaborate with Product, Credit Decisioning, and Risk partners to provide finance support for lending pricing strategy from concept through implementation and ongoing monitoring.
- Develop and maintain financial analysis models and tooling in partnership with modeling teams, ensuring strong controls, clear documentation, and long-term sustainability.
- Evaluate relationship-based pricing and discount requests through economic assessments (e.g., profitability, shareholder value added, and return on equity) and document recommendations.
- Support core pricing economics by governing key economic, capital, and expense assumptions and delivering decision-ready analysis for product strategy business cases.
- Refresh and maintain pricing parameters to ensure timely updates to rate grids, floors and ceilings, segmentation, and other pricing levers.
- Lead and contribute to ad hoc analyses and deep dives on key business questions, including pricing tests to assess trade-offs across rate, volume, risk, and profitability.
- Owain management dashboards and reporting, identifying opportunities to modernize through data centralization and the development of intelligent solutions and user tools.
Required Qualifications, Capabilities, And Skills
- 4+ years of progressive experience in finance, analytics, pricing, or business management.
- Bachelor's degree in finance, statistics, accounting, or a related field.
- Strong financial acumen and ability to solve complex problems using data-driven analysis.
- Prominent ability to operate independently, manage multiple priorities, and deliver results in a dynamic environment.
- Strong stakeholder management skills with the ability to influence partners at multiple levels.
- Experience developing business cases and recommendations that connect analysis to decision-making.
- Proficiency in Excel and PowerPoint, with strong data analytics capability including data mining and manipulation.
- Excellent communication skills, including the ability to present clearly and tell a story with data.
- Demonstrated ability to improve processes, support automation, and partner effectively with product teams.
- Strong attention to detail with a well-organized, solutions-oriented approach.
Preferred Qualifications, Capabilities And Skills
- Experience with lending products and pricing, including rate grids, floors and ceilings, segmentation, and pricing parameter governance.
- Experience building financial models and analytics tooling with strong control standards.
- Familiarity with wholesale and retail lending portfolios and profitability frameworks used in financial performance assessment.
- Technical stack: SQL and Python for data extraction, automation, and analysis.
- Analytics enablement: Tableau and Alteryx (or similar) to modernize reporting and improve efficiency.
- Data governance and controls: data quality checks, reconciliations, and lineage.
- Cloud/data platforms (e.g., Snowflake, Databricks) a plus.