Card Risk Strategy Architect

JPMorgan Chase & Co.; Wilmington (DE); On-site; USD 110,000 - 170,000; Full time

Job summary

Chase Card Services in the United States seeks a Card Risk Strategy Associate in the Card Credit Decisioning Unit. You will help expand our credit card portfolio by defining strategies for affluent segments and ensuring sound lending decisions that balance growth with prudent risk.

Collaborate with product, finance and risk teams to define the Credit Box, assess new opportunities, and develop metrics to monitor performance.

Qualifications

• Bachelor’s degree or higher in a quantitative discipline.
• 3+ years of relevant experience in direct to consumer lending, originations, and/or retail credit at a large financial services company.
• Exceptional quantitative and qualitative finance and analytical skills.
• Demonstrated strategic thinking and execution skills; ability to proactively identify opportunities to innovate and improve the business.
• Proven experience collaborating across teams and lines of business within large organizations.
• Excellent analytical skills with the ability to leverage data and anecdotal feedback to structure complex problems and make decisions.
• Proficiency with SAS, SQL, Python, or Tableau analytic tools (other coding languages would be considered).

Responsibilities

• Define the Credit Box in partnership with Product GM’s, Finance, and the second line of defense Credit Risk team
• Lead alignment with Product, Finance, and Risk to define and execute on strategies to achieve credit goals
• Partner closely with product and risk teams in assessing new credit opportunities. Define an execution plan for new credit opportunities
• Set up reviews and processes to ensure we are executing well on our credit box assumptions
• Partner with risk strategies in defining variables that would be included in new credit models and interface with the modeling team on the acquisitions modeling suite and roadmap
• Develop and implement metrics to track acquisitions performance. Lead the report outs for performance monitoring to senior leadership
• Help shape credit policies, underwriting standards, and risk management frameworks
• Ensure adherence to banking regulations and internal controls related to credit risk
• Work with teams across business lines (e.g., risk, underwriting, legal, finance) to balance growth and risk
• Provide approvals or recommendations for complex acquisitions related credit transactions

Skills

Quantitative skills

Analytical skills

Strategic thinking

Cross-functional collaboration

Education

Bachelor’s degree in a quantitative discipline

Tools

SAS

SQL

Python

Tableau

Job description

Chase Card Services in the United States seeks a Card Risk Strategy Associate in the Card Credit Decisioning Unit. You will help expand our credit card portfolio by defining strategies for affluent segments and ensuring sound lending decisions that balance growth with prudent risk.

Collaborate with product, finance and risk teams to define the Credit Box, assess new opportunities, and develop metrics to monitor performance.