Credit Risk - Vice President - Credit Decisioning Unit

Testing Site - JPMC; Wilmington (DE); Sur place; USD 180 000 - 260 000; Plein temps

Résumé du poste

JPMorgan Chase in Wilmington, DE, seeks a Vice President for Credit Decisioning Unit (CDU) within CCB Business Banking to lead complex credit analyses, shape risk strategy, and help define underwriting policies aligned with the firm’s risk appetite.

You will collaborate with Risk, Underwriting, Finance, Legal and senior leadership to balance growth and profitability while ensuring governance and regulatory compliance across the department.

Qualifications

• Bachelor’s degree in finance, business, economics, or related field.
• 7+ years in consumer lending, credit strategy, underwriting, or risk management within a large financial institution.
• Strong independent judgment on complex credit decisions.
• Advanced analytical and financial skills to synthesize data and market insights.

Responsabilités

• Lead evaluation of high-value consumer credit exposure initiatives, aligned with risk appetite and underwriting standards.
• Monitor portfolio performance and emerging risk trends; develop mitigation strategies to protect asset quality and returns.
• Shape and evolve credit policies, underwriting guidelines, and risk management frameworks for sustainable growth.
• Serve as trusted advisor on complex credit transactions, providing sound recommendations to senior stakeholders.
• Collaborate with Risk, Underwriting, Legal, Finance, and Business partners to align credit strategy with firm objectives.

Connaissances

Credit risk analysis

Portfolio risk management

Executive communication

Analytical reasoning

Strategic leadership

Credit underwriting

Risk governance

Formation

Bachelor’s degree in finance, business, economics, or related field

Outils

Data analysis software

Description du poste

As a Credit Decisioning Unit (CDU) Vice President within the CCB Business Banking organization, you will lead complex credit analyses, develop forward-looking risk management strategies, and help define underwriting and policy frameworks aligned with the firm’s risk appetite and financial objectives. You will collaborate with key partners in Risk, Underwriting, Finance, Legal, and senior leadership, to balance growth and profitability while ensuring strong governance, controls, and regulatory compliance at JPMorgan Chase.

Job Responsibilities

• Lead evaluation of complex and high-value consumer credit exposure initiatives, ensuring alignment with established risk appetite, policies, and underwriting standards.
• Monitor portfolio performance and emerging risk trends across the credit lifecycle; develop and recommend mitigation strategies to protect asset quality and returns.
• Shape and evolve credit policies, underwriting guidelines, and risk management frameworks in support of sustainable growth.
• Serve as a trusted advisor on complex or non-standard credit transactions, providing sound, well-reasoned recommendations to senior stakeholders.
• Collaborate cross-functionally with Risk, Underwriting, Legal, Finance, and Business partners to align credit strategy with the firm’s objectives.
• Design tools for effective performance measurement of key business initiatives and tests Implement standards and practices that enhance clarity and accountability and promote consistency and transparency across the department

Required Qualifications, Capabilities, and Skills

• Bachelor’s degree in finance, business, economics, or a related field.
• 7+ years of progressive experience in consumer lending, credit strategy, underwriting, or portfolio risk management within a large, complex financial institution.
• Demonstrated expertise in evaluating and managing credit risk, including strong independent judgment on complex credit decisions.
• Advanced Analytical & Financial Skills: Proven ability to synthesize quantitative analysis, qualitative insights, and market data to drive informed decision-making.
• Strategic Leadership: Ability to translate strategy into execution, identify opportunities for innovation, and influence outcomes in a matrixed organization.
• Executive Communication & Influence: Experience delivering clear, compelling insights to senior leadership and influencing decisions at the executive level.
• Initiative & Entrepreneurial Drive: High personal initiative, goal-setting, and entrepreneurial leadership to achieve challenging objectives.

Preferred qualifications, capabilities, and skills

• Experience in Business Banking
• Proficiency in data analysis tools and software