Credit Strategy - Chase Auto - Associate

JPMorgan Chase & Co.; Plano (TX); On-site; USD 75,000 - 105,000; Full time

Job summary

JPMorgan Chase & Co. is seeking a Credit Strategy Associate in the Chase Auto Credit Decisioning Unit, based in Plano, TX.

You will analyze consumer credit performance, support credit strategy initiatives, and help manage portfolio risk while collaborating with Risk, Underwriting, Finance, and Legal teams. You will monitor portfolio trends, prepare reports, and implement data-driven credit strategies, reporting to the Credit Strategy leadership.

Qualifications

• Bachelor’s degree in finance, economics, business, data analytics, or related discipline.
• Minimum 2 years of relevant experience in consumer credit, credit risk, portfolio analytics, underwriting, or related functions at a financial institution or credit analytics organization.
• Strong analytical skills with the ability to interpret data and identify trends.

Responsibilities

• Assist with credit analysis and portfolio performance monitoring to identify risk trends.
• Support development and maintenance of underwriting guidelines, policy documentation, and risk frameworks.
• Prepare data-driven reports and insights for credit leadership and cross-functional partners.
• Help evaluate credit exposures and recommend risk mitigation actions for standard credit scenarios.
• Collaborate with Risk, Underwriting, and Finance teams to operationalize credit strategy.
• Participate in special projects related to credit strategy, portfolio optimization, and risk governance.
• Engage in ongoing learning to build expertise in credit strategy and industry best practices.

Skills

Bachelor’s degree in finance/economics

2+ years of consumer credit/risk/analY

Excel

Analytical skills

Communication skills

Team-oriented mindset

Curiosity to learn

Education

Bachelor’s degree in finance, economics, business, data analytics

Tools

SQL

Tableau

Power BI

Job description

Credit Strategy - Chase Auto - Associate

and 1 more

• Job Identification 210705488
• Job Category Credit Risk
• Business Unit Consumer & Community Banking
• Posting Date 07/28/2026, 06:12 PM
• Locations 8181 Communications Pkwy Bldg A, Plano, TX, 75024, US 201 N Walnut St, Wilmington, DE, 19801, US
• Job Schedule Full time

Job Description

Bring your expertise to JPMorganChase and collaborate with colleagues across Risk, Underwriting, Finance and Legal to help ensure consistent application of risk standards and support sound credit decision-making.

As a Credit Strategy Associatewithin the Chase Auto Credit Decisioning Unit, you will support credit leadership in analyzing consumer credit performance, contributing to strategic initiatives, and assisting with portfolio risk management. Reporting to the Credit Strategy leadership team, you will leverage your analytical skills and business acumen to monitor portfolio trends, prepare reports, and help implement credit strategies.

Job responsibilities

• Assist with credit analysis and portfolio performance monitoringto help identify risk trends and shifts in key metrics.
• Support the development and maintenance of underwriting guidelines, policy documentation, and risk frameworksin line with business priorities.
• Prepare data-driven reports, presentations, and insightsfor credit leadership and cross-functional partners.
• Help evaluate credit exposures and recommend risk mitigation actionsfor standard credit scenarios, following established policies.
• Collaborate with Risk, Underwriting, and Finance teamsto help operationalize credit strategy and improve decisioning processes.
• Participate in special projectsrelated to credit strategy, portfolio optimization, and risk governance.
• Engage in ongoing learning and developmentto build expertise in credit strategy, risk models, and industry best practices.

Required Qualifications, Capabilities and Skills

• Bachelor’s degreein finance, economics, business, data analytics, or a related discipline.
• Minimum 2 years of relevant experiencein consumer credit, credit risk, portfolio analytics, underwriting, or related functions at a financial institution or credit analytics organization.
• Strong analytical skillswith the ability to interpret data, identify trends, and support actionable conclusions.
• Basic understanding of consumer credit products, credit risk concepts, and portfolio performance drivers.
• Proficiency in Excel and quantitative tools
• Effective written and verbal communication skillsto present findings and recommendations to business partners.
• Team-oriented mindsetand ability to work collaboratively in a fast-paced environment
• Curiosity and eagerness to learnabout credit strategy, risk models, and industry best practices.

Preferred Qualifications, Capabilities and Skills

• Familiarity with SQL or visualization tools such as Tableau or Power BI

To be eligible for this position, you must be authorized to work in the United States. We do not offer any type of employment-based immigration sponsorship for this position. Likewise, JPMorgan Chase & Co., will not provide any assistance or sign any documentation in support of any other form of immigration sponsorship or benefit including optional practical training (OPT) or curricular practical training (CPT).

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 ourFAQs 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.