Card Acquisitions Risk Strategy Senior Associate

JPMorganChase; Wilmington (DE); On-site; USD 110,000 - 160,000; Full time

Job summary

JPMorgan Chase & Co. is seeking a Card Acquisitions Risk Strategy Senior Associate to define and manage credit risk strategies for small business card acquisitions, balancing growth with prudent lending principles.

You will partner across risk, product, finance, and modeling teams to influence underwriting policies and data-informed decisions. You will contribute to approve/decline decisions and credit line assignments across our small business card portfolios, in a high-visibility environment

Qualifications

• Bachelor's degree in Finance, Business Administration, or a related field.
• 4 years of experience in direct-to-consumer lending, originations, or retail credit at a large-scale financial services organization.
• Demonstrated ability to evaluate and manage credit risk with strong analytical skills.
• Proven strategic thinking and execution capabilities for process or business improvements.
• Experience with complex datasets and translating data insights into actionable credit strategies.
• Strong communication and stakeholder management across cross-functional teams.

Responsibilities

• Evaluate and refine the credit decisioning framework with product, finance, and second-line risk teams to align with risk appetite.
• Assess new credit expansion opportunities and execute approved strategies with rigor and accountability.
• Design and maintain review processes to monitor credit assumptions and ensure sound execution.
• Define variables for new credit models and collaborate with the modeling team on the roadmap.
• Develop and implement performance metrics to track portfolio health and strategy effectiveness.
• Maintain regulatory and controls environment across all credit activities.
• Collaborate with stakeholders to balance growth with prudent risk management.

Skills

Credit risk evaluation

Quantitative analytics

Qualitative analysis

Strategic thinking

Data-driven decisions

Stakeholder management

Communication

Education

Bachelor's degree in Finance/Business Administration or related field

Job description

Job Description

Join a newly established first-line credit function where your analytical expertise and strategic thinking will directly influence how we grow our small business card portfolio responsibly. This is a high-visibility role where your decisions matter — and your career can accelerate alongside the impact you create.

Join a newly established first-line credit function where your analytical expertise and strategic thinking will directly influence how we grow our small business card portfolio responsibly. This is a high-visibility role where your decisions matter — and your career can accelerate alongside the impact you create. As a Card Acquisitions Risk Strategy Senior Associate in the Card Credit Decisioning team, you will define and manage credit risk strategies for small business card acquisitions, balancing growth with sound lending principles. You will partner across risk, product, finance, and modeling teams to shape underwriting policies and drive data-informed decisions that align with our financial goals. Your work will directly influence approve/decline decisions and credit line assignments across our business card portfolios.

Job Responsibilities

• Evaluate and refine the credit decisioning framework in partnership with product, finance, and second-line credit risk teams to ensure alignment with risk appetite
• Assess new credit expansion opportunities and execute against approved strategies with rigor and accountability
• Design and maintain review processes to monitor credit assumptions and ensure sound execution
• Partner with risk strategy teams to define variables for new credit models and collaborate with the modeling team on the modeling suite and roadmap
• Develop and implement performance metrics to track portfolio health and strategy effectiveness
• Maintain a strong regulatory and controls environment, ensuring compliance across all credit activities
• Collaborate with stakeholders across risk, underwriting, legal, and finance to balance business growth with prudent risk management

Required Qualifications, Capabilities, And Skills

• Bachelor's degree in Finance, Business Administration, or a related field
• 4 years of experience in direct-to-consumer lending, originations, or retail credit at a large-scale financial services organization
• Demonstrated ability to evaluate and manage credit risk, with strong quantitative and qualitative analytical skills
• Proven strategic thinking and execution capabilities, with a track record of identifying and implementing process or business improvements
• Experience working with complex datasets and translating data insights into actionable credit strategies
• Strong communication and stakeholder management skills, with the ability to influence across cross-functional teams

Preferred Qualifications, Capabilities, And Skills

• Experience in small business or commercial card credit risk strategy
• Familiarity with credit model development, variable selection, or model governance processes
• Knowledge of regulatory requirements and controls frameworks relevant to consumer or small business lending
• Experience presenting risk strategies or recommendations to senior leadership

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.

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.