Card Portfolio Risk Strategy Associate

JPMorganChase; Wilmington (DE); On-site; USD 70,000 - 90,000; Full time

Benefits offered by this job

Comprehensive health care coverage

Retirement savings plan

Tuition reimbursement

Mental health support

Financial coaching

Job summary

JPMorganChase in Wilmington, Delaware is seeking an experienced individual for a key credit function role. This position involves evaluating credit opportunities, developing metrics to track performance, and collaborating with various teams to manage risk responsibly.

The ideal candidate will hold a Bachelor's degree in Finance or Business Administration, with at least 2 years of relevant experience. The role offers a competitive salary and comprehensive benefits.

Qualifications

• 2 years of experience in direct-to-consumer lending, originations, and/or retail credit.
• Demonstrated ability to evaluate and manage credit risk.
• Experience collaborating across teams within large organizations.

Responsibilities

• Evaluate the credit box with the Portfolio Risk Strategy Lead.
• Assess new credit expansion opportunities.
• Develop metrics to track portfolio performance.
• Collaborate with stakeholders to balance growth with responsible risk management.

Skills

Quantitative analytical skills

Qualitative analytical skills

Strategic thinking

Collaboration skills

Presentation development skills

Education

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

Job description

Job Description

Join a newly created first‑line credit function where your analytical expertise and strategic thinking will directly influence how we manage risk and grow responsibly. This is a high‑visibility role where your work shapes real business outcomes and connects you with senior leaders across the organization.

Job Responsibilities

• Evaluate the credit box in partnership with the Portfolio Risk Strategy Lead, product General Managers, Finance, and the second‑line Credit Risk team
• Assess new credit expansion opportunities and execute against approved initiatives
• Establish reviews and processes to ensure credit assumptions are being met effectively
• Partner with risk strategy teams to define variables for new credit models and engage with the modeling team on the modeling suite and roadmap
• Develop and implement metrics to track portfolio performance
• Maintain a strong regulatory and controls environment across all risk activities
• Collaborate with stakeholders across risk, underwriting, legal, and finance to balance growth with responsible risk management

Required Qualifications, Capabilities, And Skills

• Bachelor's degree in Finance, Business Administration, or a related field
• 2 years of experience in direct‑to‑consumer lending, originations, and/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 skills, with the ability to proactively identify opportunities to innovate and improve
• Experience collaborating across teams and business functions within large, complex organizations
• Proficiency in developing executive‑level presentation materials and briefings
• High level of personal initiative with a track record of setting and achieving challenging goals

Applicants

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.

Benefits

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.

Equal Opportunity Employer / Disability / Veterans

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.