Business Card Strategic Analytics, Vice President

JPMorgan Chase & Co.; Wilmington (DE); On-site; USD 120,000 - 180,000; Full time

Job summary

JPMorgan Chase & Co. seeks a Vice President, Strategic Analytics in Business Card Risk to lead development and optimization of acquisition credit criteria and underwriting policies. You will own decision rules, risk segmentation, and cross-functional collaboration to balance growth, profitability, and risk in a regulated environment.

The role requires strong analytics, SAS/SQL proficiency, and the ability to translate complex analyses into executive-level insights for governance forums.

Qualifications

• 5+ years of experience in risk management, credit strategy, analytics, consumer/business lending, or financial services.
• Hands-on ownership of acquisition credit criteria, underwriting policy, or credit decision frameworks.
• Strong judgment to balance growth, profitability, customer experience and risk outcomes.
• Proficiency in SAS and SQL with ability to build repeatable analyses.

Responsibilities

• Own acquisition credit criteria, including underwriting policies, risk segmentation, and decision rules.
• Analyze portfolio performance and emerging risk trends to improve risk-adjusted growth.
• Develop analytical solutions using SAS, SQL, Python and visualization tools.
• Optimize acquisition strategies balancing approval rates, losses, profitability, and regulatory requirements.
• Translate complex analyses into clear, actionable recommendations for senior leaders.
• Lead end-to-end implementation of credit criteria changes and post-implementation reviews.
• Establish monitoring frameworks and reporting for performance, drift, and risk.
• Maintain governance, documentation, and controls across the credit criteria lifecycle.
• Identify opportunities to enhance underwriting with new data sources and automation.
• Coach and develop junior analysts to promote analytical rigor.

Skills

Risk management

Credit strategy

Analytics

Financial services

SAS

SQL

Python

Communication

Project management

Education

Bachelor's degree in Statistics, Economics, Finance, Mathematics, Engineering, Data Science, or related quantitative discipline

Advanced degree in quantitative discipline

Tools

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.
As a/an 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).