Card Lending Services (CLS) – Business Analysis Associate II / Strategy & Innovation

JPMorgan Chase; Wilmington (DE); On-site; USD 90,000 - 120,000; Full time

Benefits offered by this job

Competitive pay

Benefits package

Job summary

Chase seeks a Business Analysis Associate II in Digital Strategy & Innovation to drive AI-enabled transformations within Card Lending Services. You will lead end-to-end process improvements, partner with Technology to shape use cases, and ensure successful adoption across multiple stakeholders.

The role emphasizes automation, risk management, and customer/specialist experience improvements through measurable outcomes and strong governance across the lending platform.

Qualifications

• Strong transformation execution capability combining operational excellence, stakeholder influence, and analytical rigor.
• At least 4 years of relevant experience in operations, management consulting, process re-engineering, business analysis, and/or project/program management.
• Proven track record of delivering process improvement, automation, and/or digitization initiatives with measurable business outcomes.
• Advanced analytical and structured problem-solving skills with comfort working with data and quantitative concepts.
• Ability to translate business needs into clear requirements and well-defined user stories; experience partnering with Technology.
• Excellent executive presence, written and verbal communication, and facilitation skills with ability to influence across lines of business.
• Proven ability to prioritize, manage timelines, and deliver high-quality results in fast-paced environments.
• Proficiency in Microsoft Office (Excel, PowerPoint, Word) and aptitude for learning new tools quickly.

Responsibilities

• Lead AI-enabled transformation initiatives to reduce manual effort, increase productivity, and strengthen control through automation, robotics, and machine learning.
• Own end-to-end process improvement engagements—from current-state assessment to future-state design and benefits realization.
• Partner with Technology to shape use cases, define requirements, translate needs into user stories, support UAT, and drive adoption.
• Influence senior stakeholders and cross-functional partners to deliver sustainable, well-controlled lending solutions.
• Apply data-driven problem solving and financial acumen to quantify value and prioritize initiative portfolios.
• Drive change management by building sponsorship and addressing resistance with a solid fact base.
• Remove organizational impediments and ensure initiatives progress through governance and milestones.

Skills

Transformation execution

Operational excellence

Stakeholder influence

Analytical rigor

Requirements & user stories

Executive presence & communication

Timelines & prioritization

Microsoft Office proficiency

Job description

Card Lending Services (CLS) – Business Analysis Associate II / Strategy & Innovation

Tempe, AZ, United States

Job Information

• Locations 100 W University Dr, Tempe, AZ, 85281, US14800 Frye Rd, Fort Worth, TX, 76155, US300 N King St, Wilmington, DE, 19801, US4900 Memorial Hwy, Tampa, FL, 33634, US

• Job Schedule Full time

Job Description

Do you have a passion for providing a best-in-class experience for customers and employees? Our Card Lending Services Team has an excellent opportunity for an individual with proven commercial underwriting abilities.

This is a strategic change-leadership role within Card Lending (CLS) Digital Strategy & Production Support as a Business Analysis Associate II, focused on driving process excellence and technology-enabled transformation across the lending platform. The position emphasizes automation and machine learning to optimize operational performance, strengthen risk management, and enhance both customer and specialist experiences.

You will identify and prioritize high-value opportunities to modernize workflows, translating them into measurable outcomes by partnering with Business, Product, and Technology teams to design, deliver, and scale solutions. Working across multiple stakeholders, you will help define best-in-class processes, uncover synergies, and ensure risks are proactively identified and mitigated.

Job responsibilities

• Lead AI-enabled transformation initiatives to reduce manual effort, increase productivity, and strengthen the control environment through automation, robotics, and machine learning.

• Own end-to-end process improvement engagements—from current-state assessment and future-state design through implementation and benefits realization—prioritizing efficiency, customer experience, expense reduction, and audit readiness.

• Partner with Technology to shape and mature use cases, define requirements, translate needs into user stories, support UAT, and drive adoption to ensure successful releases and sustained outcomes.

• Influence and align senior stakeholders and cross-functional partners (e.g., Marketing, Product, Controls, and Operations) to deliver sustainable, well-controlled, end-to-end lending solutions.

• Apply data-driven problem solving and financial acumen to quantify value, prioritize the initiative portfolio, and communicate performance and results.

• Drive change management by building sponsorship, proactively addressing resistance with a strong fact base, and enabling teams to adopt new ways of working.

• Remove organizational impediments and ensure initiatives progress to closure through clear governance, milestones, and accountability.

Required qualifications, capabilities and skills

• Strong transformation execution capability—combining operational excellence, stakeholder influence, and analytical rigor—to deliver meaningful, scalable change.

• At least 4 years of relevant experience in operations, management consulting, process re-engineering, business analysis, and/or project/program management.

• Demonstrated track record of delivering process improvement, automation, and/or digitization initiatives with measurable business outcomes.

• Advanced analytical and structured problem-solving skills, with demonstrated comfort working with data and applying quantitative concepts to support prioritization and decision-making.

• Ability to translate business needs into clear requirements, well-defined user stories, and testable acceptance criteria; experience partnering closely with Technology teams throughout delivery.

• Excellent executive presence, written and verbal communication, and facilitation skills, with the ability to influence and align stakeholders across lines of business.

• Proven ability to prioritize effectively, manage timelines, and deliver high-quality results in fast-paced environments with competing deadlines.

• Proficiency in Microsoft Office (e.g., Excel, PowerPoint, Word) and a demonstrated aptitude for rapidly learning new tools and systems.

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 (https://careers.jpmorgan.com/us/en/how-we-hire/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.

We offer a broad array of credit cards to meet the needs of individuals and small businesses, including Chase-branded and co-branded cards in partnership with well-known companies and organizations. Merchant Services is a leading provider of payment, fraud and data security for companies, capable of authorizing transactions across global currencies.