Business Card Strategic Analytics, Vice President

JPMorganChase; Wilmington (DE); On-site; USD 170,000 - 210,000; Full time

Job summary

JPMorgan Chase is seeking a Vice President, Strategic Analytics in Business Card Risk to lead the development and optimization of acquisition credit criteria, underwriting policies, and risk segmentation. You will own decision rules and approval cutoffs, using advanced analytics to balance growth, profitability, and regulatory expectations.

You’ll drive cross-functional execution from strategy to implementation, monitor performance, and present insights to senior leadership and governance

Qualifications

• 5+ years of experience in risk management, credit strategy, analytics, or financial services.

Responsibilities

• Own acquisition credit criteria, underwriting policies, risk segmentation, and decision cutoffs.
• Analyze portfolio performance and emerging risk trends to improve risk-adjusted growth.
• Develop analytical solutions using SAS, SQL, Python and visualization tools to evaluate policy performance.
• Balance approval rates, losses, profitability, and customer experience with regulatory requirements.
• Translate analyses into clear, actionable recommendations for senior leadership.
• Partner with cross-functional teams to design and refine acquisition criteria.
• Lead end-to-end implementation of credit criteria changes and governance.

Skills

Risk management

Credit strategy

Analytics

Leadership

Communication

Education

Bachelor’s degree in Statistics, Economics, Finance, Math, Engineering, Data Science

Tools

SAS

SQL

Python

Tableau

Alteryx

Job description

Job Summary: Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best‑in‑class.

Job Description

Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best‑in‑class.

As a Vice President, Strategic Analytics in Business Card Risk, you will lead the development, implementation, and ongoing optimization of acquisition credit criteria and underwriting policies that support sustainable growth while maintaining a strong control environment. You will own decision rules, risk segmentation, and approval cutoffs—using advanced analytics to balance approval rates, loss performance, profitability, customer experience, and regulatory expectations. You will drive cross‑functional execution from strategy through implementation, monitoring, and governance, while presenting insights and recommendations to senior leadership and governance forums.

Job Responsibilities

• Own Business Card acquisition credit criteria, including underwriting policies, risk segmentation, approval cutoffs, and decision rules.
• Analyze portfolio performance and emerging risk trends to identify opportunities to improve risk‑adjusted growth and customer outcomes.
• Develop advanced analytical solutions using SAS, SQL, Python, and visualization tools to evaluate policy performance and tradeoffs.
• Optimize acquisition strategies by balancing approval rates, delinquency/loss outcomes, profitability, and regulatory requirements.
• Translate complex analyses into clear, actionable recommendations for senior leaders and key business partners.
• Partner with Product, Finance, Operations, Technology, Control Management, Compliance, and Fair Lending to design and refine acquisition criteria.
• Lead end‑to‑end implementation of credit criteria changes, including business requirements, validation testing, and post‑implementation reviews.
• Establish monitoring frameworks and reporting to provide timely insights into performance, drift, and emerging risks.
• Maintain robust governance, documentation, and controls across the credit criteria lifecycle to support audit, regulatory, and internal review needs.
• Identify opportunities to enhance underwriting capabilities through new data sources, automation, and process improvements.
• Coach and develop junior analysts while promoting analytical rigor, collaboration, and continuous improvement.

Required Qualifications, Capabilities, And Skills

• 5+ years of experience in risk management, credit strategy, analytics, consumer/business lending, or financial services.
• Demonstrate hands‑on ownership of acquisition credit criteria, underwriting policy, or credit decision frameworks.
• Apply strong judgment to balance growth, profitability, customer experience, and risk outcomes in a dynamic environment.
• Use advanced analytics and statistical techniques to develop insights from large datasets and drive decisions.
• Show strong proficiency in SAS and SQL, including building repeatable analyses and monitoring.
• Communicate effectively in writing and verbally, including presenting complex findings to senior management.
• Influence cross-functional stakeholders and drive alignment without direct authority.
• Manage multiple priorities with strong project management and end-to-end execution discipline.
• Demonstrate strong attention to detail and a commitment to high-quality, well‑controlled deliverables.
• Understand core credit risk concepts, underwriting practices, and portfolio performance drivers across consumer and/or business lending.
• Hold a Bachelor’s degree in Statistics, Economics, Finance, Mathematics, Engineering, Data Science, or a related quantitative discipline.

Preferred Qualifications, Capabilities, And Skills

• Own end‑to‑end acquisition credit criteria for a card or lending product, including design, cutoffs, monitoring, optimization, and governance.
• Deliver measurable improvements in risk‑adjusted growth while balancing approval rates, losses, profitability, and customer outcomes.
• Bring experience with credit card and/or small business lending acquisition underwriting and risk segmentation strategies.
• Navigate governance requirements tied to audit, regulatory reviews, model risk management, and control oversight.
• Apply knowledge of fair lending regulations and compliance considerations in underwriting and decisioning design.
• Leverage Python, Tableau, Alteryx, or other modern analytics and visualization tools to scale insights and reporting.
• Hold an advanced degree in a quantitative discipline (e.g., Statistics, Economics, Math, Finance, Data Science, Engineering).

About Us

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

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.

Risk Management helps the firm understand, manage and anticipate risks in a constantly changing environment. The work covers areas such as evaluating country‑specific risk, understanding regulatory changes and determining credit worthiness. Risk Management provides independent oversight and maintains an effective control environment.