Card Acquisition Risk and Strategic Analytics - Consumer & Community Banking - Senior Associate

JPMorganChase; Wilmington (DE); On-site; USD 90,000 - 130,000; Full time

Job summary

JPMorganChase is seeking a Senior Associate in Card Acquisition Risk Analytics to shape data-driven strategies for the Chase-branded card portfolio, including the Sapphire franchise. You will turn complex data into recommendations influencing product development and performance at scale.

This role works across Product, Marketing, Finance, and Risk to define acquisition strategies for affluent customers, leveraging analytics, experimentation, and insights to drive growth and risk mitigation.

Qualifications

• Bachelor's degree in a quantitative discipline from an accredited college/university.
• Minimum of 2 years of quantitative or analytics experience in business analytics, data science, finance, marketing analytics, consulting, or Risk Management.
• Strong proficiency in SQL, Excel, PowerPoint, or Python.
• Demonstrated ability to query large datasets and transform raw data into actionable management insight.
• Strong analytical, interpretive, and problem-solving skills, with the ability to logically structure complex analyses.
• Experience delivering clear, actionable recommendations to senior management.
• Excellent written and oral communication skills.
• Ability to manage multiple priorities and deliver high-quality work under deadlines.
• Demonstrated intellectual curiosity and comfort working with ambiguity.
• Strong collaboration skills with the ability to build relationships across cross-functional teams.
• Attention to detail and commitment to accuracy in data-driven deliverables.

Responsibilities

• Develop and maintain analytics for Sapphire portfolio performance and card products.
• Build metrics and profitability drivers across the account lifecycle from acquisition to portfolio performance.
• Understand operational processes underlying card acquisition to inform strategy.
• Conduct analyses and present results to partners and senior management for strategy and product launches, focusing on Sapphire.
• Support strategy and product roadmap for Sapphire and other card initiatives.
• Collaborate with Product, Marketing, Finance, and Risk teams to influence decisions.
• Manage strategies that drive financial performance and risk mitigation improvements.
• Bring growth mindset and innovation to optimize performance as products scale.
• Coordinate with Risk Governance, Legal, and Compliance to meet laws and regulations.
• Perform ad hoc analytics and contribute to cross-functional projects.
• Translate large datasets into actionable insights for senior stakeholders.

Skills

Python

SQL

Excel

PowerPoint

Education

Bachelor's degree in a quantitative discipline

Master's degree in a quantitative discipline

Tools

SQL

Job description

Job Description

Join a team at the center of one of the most iconic brands in financial services - the Chase Branded Cards including Sapphire franchise and other premium card products. Here, your analytical curiosity will directly shape how JPMorgan Chase acquires and grows its affluent customer base. You'll turn complex data into strategies that influence products used by millions of customers, working alongside Product, Marketing, Finance, and Risk leaders. This is a rare opportunity to sit at the intersection of risk and growth, helping define the next chapter of premium card innovation. If you thrive on solving ambiguous, high-impact business problems with data, this role is built for you.

As a Senior Associate in Card Acquisition Risk Analytics within Chase Card Services Risk, you generate data-driven analytics and recommendations that shape strategy, product development, and performance monitoring for the Chase-branded card portfolio, with particular focus on the Sapphire franchise and new product launches targeting affluent customers. You will shape credit card acquisition strategies for the affluent segment through advanced analytics, customer insights, experimentation, and data-driven decision making.

This role is well suited to candidates from quantitative and analytics disciplines beyond traditional risk management including consulting, business analytics, data science, finance, or marketing analytics. Experience in credit risk or affluent/premium card portfolios is preferred but not required; what matters most is strong analytical rigor, curiosity, and the ability to turn complex data into clear business recommendations about high-value customer segments.

Job Responsibilities

• Develop and maintain periodic analytics that give management full visibility into emerging trends and the quality of originated accounts across the Sapphire portfolio and other Chase-branded card products
• Build a detailed understanding of key performance metrics and profitability drivers, delivering insights that span the full account lifecycle from acquisition through ongoing portfolio performance
• Develop working knowledge of the operational processes underlying card acquisition to better interpret performance drivers and inform strategy recommendations
• Conduct complex analyses and present results to partners and senior management in direct support of card acquisition strategies and new product and feature launches, with emphasis on the Sapphire portfolio
• Support the formulation of strategy and product roadmap for Sapphire and other card initiatives
• Partner with and influence cross-functional teams across Product, Marketing, Finance, and Risk
• Manage strategies that drive financial performance and risk mitigation improvements
• Bring a growth mindset and innovative thinking to optimize performance as new products scale
• Partner closely with Risk Governance, Legal, and Compliance to ensure strategies and policies align with applicable laws and regulations
• Conduct ad hoc analytics and contribute to cross-functional projects representing the Chase Card analytics function
• Translate complex, large-scale datasets into clear, actionable insights for senior stakeholders

Required Qualifications, Capabilities, And Skills

• Bachelor's degree in a quantitative discipline (e.g., Statistics, Economics, Mathematics, Data Science, Engineering, Finance) from an accredited college/university
• Minimum of 2 years of quantitative or analytics experience in business analytics, data science, finance, marketing analytics, consulting, or Risk Management
• Strong proficiency in SQL, Excel, PowerPoint, or Python
• Demonstrated ability to query large datasets and transform raw data into actionable management insight
• Strong analytical, interpretive, and problem-solving skills, with the ability to logically structure complex analyses
• Experience delivering clear, actionable recommendations to senior management
• Excellent written and oral communication skills
• Ability to manage multiple priorities and deliver high-quality work under deadlines
• Demonstrated intellectual curiosity and comfort working with ambiguity
• Strong collaboration skills with the ability to build relationships across cross-functional teams
• Attention to detail and commitment to accuracy in data-driven deliverables

Preferred Qualifications, Capabilities, And Skills

• Master's degree in a quantitative discipline
• Experience in credit risk management or analytics
• Familiarity with credit card acquisition, underwriting, or customer lifecycle analytics
• Experience with statistical modeling, segmentation, or experimentation (A/B testing) methodologies
• Knowledge of the regulatory landscape governing consumer credit products
• Experience presenting to senior management or executive stakeholders
• Prior exposure to product strategy or go-to-market planning in financial services

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).

About Us

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

About The Team

Our professionals in our Corporate Functions cover a diverse range of areas from finance and risk to human resources and marketing. Our corporate teams are an essential part of our company, ensuring that we're setting our businesses, clients, customers and employees up for success.

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.