Connected Commerce Alternate Lending Risk Associate

Testing Site - JPMC; Wilmington (DE); On-site; USD 110,000 - 160,000; Full time

Job summary

JPMorganChase is seeking a Connected Commerce Alternate Lending Risk Associate in Connected Commerce Alternate Lending Risk Strategy. You will own risk strategy development for unsecured installment lending products, including Chase Pay in 4, applying quantitative analysis to improve profitability, credit outcomes, and customer experience.

You’ll translate insights into rules, automation, and scalable execution while partnering with technical and business stakeholders to ensure regulatory and

Qualifications

• 3+ years of experience in risk management or financial services.
• Bachelor’s degree in Statistics, Economics, Finance or equivalent.
• Hands-on SAS and/or SQL for data extraction and monitoring.
• Strong Excel skills and ability to present insights clearly.
• Ability to structure ambiguous problems and deliver actionable solutions.
• Experience in quantitative performance analysis and forecasting.
• Strong written and verbal communication skills.

Responsibilities

• Develop unsecured lending risk strategies using quantitative analysis to improve performance and customer outcomes.
• Analyze portfolio performance to identify trends, risks, and opportunities.
• Design segmentation and targeting to optimize approvals and profitability.
• Create analytics and recommendations to address business issues and anticipate risks.
• Forecast impacts of strategy and guide partners through adjustments.
• Translate strategy into requirements for rules engines and automation.
• Build monitoring and reporting to track strategy health and execution.
• Maintain controls to ensure processes execute as designed and compliant.
• Investigate anomalies and perform root-cause analysis.
• Prepare presentations and communicate insights to senior leaders.
• Support regulatory alignment and risk policy adherence.

Skills

Risk management

Data analysis

SAS

SQL

Excel

Executive communication

Education

Bachelor's degree in quantitative discipline

Tools

SAS

SQL

Tableau

Job description

Help build and scale the next generation of digital-first lending at JPMorganChase. In this role, you’ll directly own and optimize risk strategies that balance growth, customer experience, and sound risk management. You’ll use advanced analytics to uncover insights, influence strategy, and deliver measurable business outcomes. If you enjoy solving ambiguous problems and partnering across teams to ship real solutions, this role offers high visibility and impact.

As a Connected Commerce Alternate Lending Risk AssociateinConnected Commerce Alternate Lending Risk Strategy, you lead strategy development and ongoing optimization for unsecured installment lending products, includingChase Pay in 4.
You will own key elements of segmentation, targeting, and performance monitoring, applying quantitative analysis to improve profitability, credit outcomes, and customer experience. You’ll also partner with technical and business stakeholders to translate analytical insights into rules, automation, controls, and scalable execution—while supporting regulatory and policy alignment.

Job Responsibilities:

• Developunsecured installment lending risk strategies using quantitative analysis (e.g., SAS, SQL) to improve performance, customer experience, and execution quality
• Analyzeportfolio performance to identify trends, risks, and opportunities across segments, channels, and strategies
• Designsegmentation and targeting approaches to optimize approvals, losses, customer outcomes, and profitability
• Createforward-looking analytics and recommendations to address business issues and anticipate emerging risks
• Forecastimpacts of strategy and mix changes;guidebusiness partners through adjustments based on expected outcomes
• Translatestrategy intent into clear requirements for rules engines and automated decisioning;partnerwith technical teams on implementation
• Buildmonitoring and reporting to track strategy health, segment performance, and operational execution
• Maintaincomprehensive controls to ensure processes execute as designed and comply with internal standards
• Investigateanomalies and performance changes;performroot-cause analysis andimplementcorrective actions
• Preparewritten presentations andcommunicateinsights, findings, and recommendations to senior leaders
• Supportadherence to regulations and alignment with Risk Policy and established procedures

Required Qualifications, Capabilities, and Skills:

• Minimum 3 yearsof experience in risk management and/or financial services (credit risk, lending, analytics, strategy, or related)
• Bachelor’s degree in a quantitative discipline (e.g.,Statistics, Economics, Financeor similar) or equivalent practical experience
• Hands-on experience usingSAS and/or SQLfor data extraction, analysis, and performance monitoring (other languages considered)
• Strong proficiency inExceland ability to synthesize results into clear, decision-ready insights (Tableau experience a plus)
• Demonstrated ability toindependentlystructure ambiguous problems and produce forward-looking, actionable solutions
• Proven experience performingquantitative performance analysis(segmentation, targeting, trend analysis, monitoring, forecasting)
• Strongwritten communicationskills, including creating executive-ready presentations and documentation
• Strongverbal communicationskills, including presenting findings and recommendations to senior management
• High attention to detail with a track record of strong execution, ownership, and follow-through
• Ability to partner cross-functionally with technical, product, operations, and compliance stakeholders
• Sound judgment, curiosity, and a disciplined analytic approach to decision-making

Preferred Qualifications, Capabilities, and Skills:

• Experience supportingunsecured consumer lendingproducts (installment, card, or digital lending)
• Familiarity withrules engines, automated decisioning, and strategy implementation in production environments
• Understanding of consumer banking financial fundamentals (profitability drivers, losses, unit economics, segment mix)
• Experience building and managingcontrols, monitoring frameworks, and/or issue management routines
• Exposure to risk governance,regulatoryconsiderations, and policy adherence in a lending context
• Experience withTableau(or similar BI tools) to deliver scalable performance dashboards
• Demonstrated ability to drive improvements that measurably impactrisk outcomes and profitability