Senior Associate, Financial Analysis - Business Banking Lending Finance

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. If you thrive in ambiguity and enjoy building scalable processes, you'll find meaningful impact here.

As a Senior Associate in Business Banking Lending Finance, you will support pricing analysis, forecasting, and management reporting across retail and wholesale lending portfolios. You will translate business cases into financial performance analysis, generating actionable insights that help leaders make informed decisions. You will contribute to initiatives from concept through implementation and ongoing monitoring, working closely with stakeholders to interpret results and shape key decisions. You will also identify opportunities to improve the efficiency of management reporting while maintaining strong governance and controls.

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.
• Own 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.
• Proven 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.

Additional Information

To be eligible for this role, you must be authorized to work in the United States. We do not offer any type of employment-based immigration sponsorship for this role. Likewise, JPMorgan Chase & Co. will not provide any assistance or sign any documentation in support of any other form of immigration sponsorship or benefit, including optional practical training (OPT) or curricular practical training (CPT).

Chase is a leading financial services firm, helping nearly half of America's households and small businesses achieve their financial goals through a broad range of financial products. Our mission is to create engaged, lifelong relationships and put our customers at the heart of everything we do. We also help small businesses, nonprofits and cities grow, delivering solutions to solve all their financial needs.

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.

Equal Opportunity Employer/Disability/Veterans