Card Acquisitions - Associate

JPMorgan Chase; Wilmington (DE); On-site; USD 90,000 - 140,000; Full time

Job summary

JPMorgan Chase in the United States is seeking a Risk Strategy Associate within the Card Credit Decisioning team. This role shapes acquisition risk strategy by setting guardrails for growth, monitoring performance, and strengthening underwriting decisions across key customer segments.

The role partners with product, risk, and modeling teams to drive data-driven decisions, develop governance, and deliver executive-ready reporting to senior stakeholders.

Qualifications

• Bachelor's degree in a quantitative discipline (Finance, Statistics, Economics, Mathematics, OR).
• Minimum 2 years in DTC lending, originations, or retail credit at a large financial services firm.
• Ability to evaluate and manage credit risk effectively.
• Strong quantitative, financial, and analytical skills.
• Proven strategic thinking and execution with outcomes improvement.
• Experience collaborating across teams in large orgs.
• Ability to create executive-level materials and simplify complex topics.
• Proficiency with SAS/SQL/Python/Tableau or equivalent analytics tools.

Responsibilities

• Partner with product and risk to assess new credit opportunities and plans.
• Establish governance routines to validate underwriting assumptions.
• Define inputs for new credit models and coordinate with modeling teams.
• Develop metrics to track acquisition outcomes and risk trends.
• Lead performance monitoring updates and executive reporting.
• Shape credit policies, underwriting standards, and risk frameworks.
• Ensure adherence to regulations and internal controls for credit risk.
• Collaborate with risk, underwriting, legal, and finance to balance growth and risk.
• Provide recommendations and approvals for complex acquisition-related credits.

Skills

Credit risk analytics

SQL / Python / SAS

Executive presentation

Cross-functional collaboration

Data-driven decision making

Education

Bachelor's degree in a quantitative field

Tools

SAS

SQL

Python

Tableau

Job description

Job Summary

Build your career shaping credit strategies that responsibly expand a leading card portfolio. You'll partner across teams, use data to drive decisions, and influence outcomes at scale.

As a Risk Strategy Associate in the Card Credit Decisioning team, you drive acquisition risk strategy by setting guardrails for growth, monitoring performance, and strengthening underwriting decisions across key customer segments.

Job responsibilities

• Partner with product and risk partners to assess new credit opportunities and define execution plans

• Establish governance routines to validate underwriting assumptions and ensure disciplined execution

• Define inputs for new credit models and partner with modeling teams on roadmap and delivery

• Develop and maintain performance metrics to track acquisition outcomes and risk trends

• Lead performance monitoring updates and executive-ready reporting for senior stakeholders

• Help shape credit policies, underwriting standards, and risk management frameworks

• Ensure adherence to applicable regulations and internal control requirements for credit risk

• Collaborate with partners (risk, underwriting, legal, finance) to balance growth and risk outcomes

• Provide recommendations and/or approvals for complex acquisition-related credit transactions

Required qualifications, capabilities, and skills

• Bachelor's degree (or higher) in a quantitative discipline (e.g., Finance, Statistics, Economics, Mathematics, Operations Research)

• Minimum 2 years of experience in direct-to-consumer lending, originations, and/or retail credit at a large financial services firm

• Ability to evaluate and manage credit risk effectively

• Strong quantitative, financial, and analytical skills

• Demonstrated strategic thinking and strong execution skills, with a track record of improving outcomes

• Experience collaborating across teams and lines of business in large organizations

• Strong ability to create executive-level presentation materials and simplify complex topics

• Strong problem-solving skills using data and qualitative insights to structure decisions

• Experience with at least one analytics tool: SAS, SQL, Python, or Tableau (other coding languages considered)

Preferred qualifications, capabilities, and skills

• Experience developing acquisition strategies for mass, near-prime, and/or new-to-credit segments

• Experience partnering with model development teams on acquisition scorecards or underwriting models

• Experience designing monitoring frameworks and leading performance reviews with senior stakeholders

Applicants must be authorized to work for any employer in the US. We are not able to provide immigration sponsorship or take over sponsorship of an employment visa at this time. Final job grade level and corporate title will be determined at time of offer and may differ from this posting.

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