Underwriting Analyst

Job Description

At Chase we believe in doing things differently, with our customers at the forefront of our mindset. As an Underwriting Analyst within the Credit Risk and Lending Product team, you will play a pivotal role in making equitable decisions for new applicants as we expand and scale our business. This dynamic position will allow you to provide direct feedback to optimize our processes and contribute to the development of digital products and services on a global scale in a start‑up environment, supported by one of the world's leading financial services providers, JP Morgan Chase & Co.

• Ensuring referred applications or appeals are underwritten optimally, while working within our Credit Risk mandates and ensuring the team operates within the service level agreements – we believe everyone is responsible for delivering the right outcomes in a timely manner.
• Provide subject‑matter expertise and use keen investigative skills to resolve complex onboarding queries and lending complaints.
• Support new product design and process optimization by continually identifying areas for improvement.
• Understand the consumer finance market to assist with lending decisions.
• Understand complex cases and continually observe for additional red flags (such as potential first‑party fraud indicators).
• Keep detailed and accurate records of the underwriting decisions and articulate clearly why decisions have been made.
• Adhere to the FCA Conduct Rules.

• Strong understanding of the underwriting processes and procedures with a focus on new business applications.
• Experience of financial underwriting within a regulated FCA environment and a strong customer service background (1 year minimum).
• Experience of working on your own initiative and prioritising tasks to reflect the impact on the business.
• Genuine interest in regulation and ability to interpret changes as they occur.
• Strong knowledge of CONC and TCF principals and how to apply them to ensure adherence with FCA guidelines.
• Ability to lead by example and skilled at partnering with stakeholders.

J.P. Morgan is a global leader in financial services. We are an equal‑opportunity employer and value diversity and inclusion. 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, 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.

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