Balance Sheet & Capital Strategy Lead - Business Management Payments

Aumni; New York (NY); On-site; USD 180,000 - 320,000; Full time

Benefits offered by this job

Health care

Competitive total rewards

Tuition reimbursement

Job summary

JPMorgan Chase & Co. in New York seeks a Balance Sheet & Capital Strategy Lead within Trade & Working Capital to drive global portfolio performance, governance, and profitability. You will partner with Product, Treasury, Risk, and Finance to implement data-driven insights and capital optimization across the lending franchise.

The role emphasizes digital transformation, executive reporting, and cross-functional leadership to deliver scalable, transparent, and resilient financial processes.

Qualifications

• Bachelor's degree required in a related field.
• Minimum 10+ years in finance, business management, or related functions.
• Demonstrated analytics and forecasting experience.
• Strong governance and execution capabilities.
• Proven cross-functional leadership and communication skills.

Responsibilities

• Lead portfolio, balance sheet, and performance agenda across the lending franchise.
• Develop scenario planning and balance sheet frameworks for resilience.
• Build analytics capabilities to monitor exposures and forecast performance.
• Steer capital/funding optimization and profitability improvements.
• Provide executive-level financial reporting for reviews and regulatory submissions.
• Integrate risk appetite and regulatory requirements into financial processes.
• Partner with Product, Treasury, Risk, and Finance to drive strategy and priorities.
• Drive digital transformation of portfolio reporting and analytics.

Skills

Advanced analytics

Governance mindset

People leadership

Executive communication

Cross-functional collaboration

Project management

Excel & PowerPoint

Tableau/Alteryx/Qlik

Education

Bachelor's degree

Tools

Excel

PowerPoint

Tableau

Alteryx

Qlik

AI tools

Job description

Job Description

This role sits within Trade & Working Capital (T&WC) Business Management (Payments) and is accountable for driving the global portfolio, balance sheet, and business performance agenda across the T&WC lending franchise. Lead partnership with Product leadership and collaborate with Treasury, Risk, Finance, and business stakeholders to deliver actionable insights and balance sheet optimization. Set the global operating rhythm, strengthen governance and controls, and drive strategic execution to optimize profitability, pricing, resilience, and capital/funding efficiency. Lead digital transformation initiatives to automate and elevate portfolio financial processes, enhancing oversight, transparency, and decision-making across the lending portfolio.

set and continually elevate the global operating rhythm, strengthening governance and controls while driving disciplined strategic execution to optimize profitability, pricing excellence, resilience, and capital/funding efficiency. In addition, you will champion digital transformation across the lending portfolio—automating and modernizing portfolio financial processes to enhance real-time oversight, transparency, and decision-making, and to create a more scalable, data-driven platform for performance management globally.

Job Responsibilities

• As the Balance Sheet & Capital Strategy Lead in Trade & Working Capital (T&WC) Business Management (Payments), you are accountable for promoting the global portfolio, balance sheet, and business performance agenda across the T&WC lending franchise.
• Develop and execute robust scenario planning and balance sheet frameworks to assess portfolio resilience and support strategic decision-making.
• Build and scale advanced analytics capabilities, leveraging data, automation, and digital tools, to monitor exposures, forecast performance, and deliver actionable insights.
• Lead financial strategy and capital/funding optimization initiatives across the T&WC lending portfolio, with a focus on improving profitability, pricing discipline, and competitive positioning.
• Provide executive-level financial reporting and insight-driven analysis for business reviews, strategy discussions, and (where applicable) regulatory submissions.
• Integrate risk appetite and regulatory requirements (including CCAR and CECL, where applicable), as well as internal/external benchmarking, into financial processes.
• Conduct competitor benchmarking, market trend analysis, and performance assessments to inform business strategy and prioritization.
• Support strategic and execution priorities for portfolio and credit management, focusing on financial optimization and business growth.
• Manage key stakeholder relationships and partner with the Head of Portfolio and Credit to drive aligned execution against priorities.
• Champion digital transformation to automate portfolio reporting and analytics, enhancing oversight, control effectiveness, and management information quality across the franchise.

Required Qualifications, Capabilities, and Skills

• Bachelor’s degree required.
• 10+ years of relevant experience in finance, business management, financial analysis, strategy, banking, or related functions.
• Ability to develop product-specific knowledge across the lending suite, with a focus on capital and liquidity requirements.
• Advanced analytics skills, with proficiency in leveraging data for predictive, scenario-based, and actionable insights.
• Strong project management skills and experience leading complex, cross-functional initiatives.
• Excellent attention to detail; strong ownership and follow-through.
• Governance mindset with experience partnering effectively across functions in a matrixed environment.
• Strong written and verbal communication and executive-ready presentation skills; ability to simplify complex topics into clear decisions.
• People leadership experience; ability to manage, coach, and develop a high-performing team and drive collaboration.
• High proficiency in Microsoft Office (Excel, PowerPoint) and relevant analytics tools (e.g., Tableau, Alteryx, Qlik, AI tools).

Preferred Qualifications, Capabilities, and Skills

• Advanced degree preferred
• Familiarity with Trade & Working Capital products / trade finance solutions
• Experience in capital planning, treasury, risk management, and business strategy within a banking environment.
• Ability to adapt quickly to changing business needs and priorities.
• Strong executive presence and stakeholder management capability with senior leadership audiences.

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

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. Promote global portfolio, balance sheet and performance strategy across the Trade and Working Capital lending franchise.