Credit Strategy - Chase Auto - Senior Associate

JPMorgan Chase & Co.; Plano (TX); On-site; USD 95,000 - 135,000; Full time

Job summary

JPMorgan Chase & Co. seeks a Credit Strategy Senior Associate to analyze consumer credit performance and support strategic initiatives across Risk, Underwriting, Finance, and Legal. You will monitor portfolio trends and translate strategy into actionable improvements.

You will work with credit leadership to develop guidelines, prepare data-driven insights, and help optimize decisioning processes. Collaboration and mentorship of junior staff are key components of this role.

Qualifications

• Bachelor’s degree in finance, economics, business, data analytics, or a related discipline.
• Minimum 3 years of relevant experience in consumer credit or credit risk at a large financial institution.
• Strong analytical mindset with ability to interpret data, identify trends, and draw actionable conclusions.
• Understanding of consumer credit products, credit risk concepts, and portfolio performance drivers.
• Proficiency with quantitative tools (Excel, SQL, Tableau/Power BI).
• Excellent written and verbal communication skills for business partners.
• Collaborative mindset to work effectively across teams in a fast-paced environment.
• Curiosity to learn credit strategy, risk models, and industry best practices.

Responsibilities

• Conduct credit analysis and portfolio performance monitoring to identify risk trends, metrics shifts, and early warning indicators.
• Support development and maintenance of underwriting guidelines, policy documentation, and risk frameworks aligned with risk appetite and business priorities.
• Prepare data-driven insights, reports, and presentations for credit leadership and cross-functional partners.
• Assist in evaluating credit exposures and recommending risk mitigation actions for complex credit scenarios, in alignment with established policies.
• Partner with Risk, Underwriting, and Finance teams to operationalize credit strategy and enhance decisioning processes.
• Contribute to special projects related to credit strategy, portfolio optimization, and risk governance enhancements.
• Mentor and support less-experienced analysts through knowledge sharing and coaching.

Skills

Strong analytical mindset

Excel

SQL

Tableau

Power BI

Communication skills

Cross-functional collaboration

Credit strategy understanding

Education

Bachelor’s degree in finance/economics/business/data analytics or related

Tools

Excel

SQL

Tableau

Power BI

Job description

Bring your expertise to JPMorganChase where you’ll collaborate across business lines - including Risk, Underwriting, Finance, and Legal - to drive consistent application of risk standards, strengthen credit governance practices, and support sound credit decision-making.

As a Credit Strategy Senior Associate within the Chase Auto Credit Decisioning Unit, you’ll work closely with credit leadership to analyze consumer credit performance, support strategic initiatives, and contribute to portfolio risk management. Reporting to the Credit Strategy leadership team, you’ll apply your analytical strength and business judgment to monitor portfolio trends, recommend improvements and help translate strategy into action.

Job responsibilities

• Conduct credit analysis and portfolio performance monitoring to identify risk trends, metrics shifts, and early warning indicators.
• Support development and maintenance of underwriting guidelines, policy documentation, and risk frameworks aligned with risk appetite and business priorities.
• Prepare data-driven insights, reports, and presentations for credit leadership and cross-functional partners.
• Assist in evaluating credit exposures and recommending risk mitigation actions for complex credit scenarios, in alignment with established policies.
• Partner with Risk, Underwriting, and Finance teams to help operationalize credit strategy and enhance decisioning processes.
• Contribute to special projects related to credit strategy, portfolio optimization, and risk governance enhancements.
• Mentor and support less-experienced analysts through knowledge sharing and coaching.

Required Qualifications, Capabilities and Skills

• Bachelor’s degree in finance, economics, business, data analytics, or a related discipline.
• Minimum 3 years of relevant experience in consumer credit, credit risk, portfolio analytics, underwriting, or related functions at a large financial institution or credit analytics organization.
• Strong analytical mindset with demonstrated ability to interpret data, identify trends, and draw actionable conclusions.
• Understanding of consumer credit products, credit risk concepts, and portfolio performance drivers.
• Proficiency in quantitative tools (e.g., Excel, SQL, analytical visualization tools such as Tableau, Power BI, or similar).
• Excellent written and verbal communication skills, with the ability to articulate findings and recommendations clearly to business partners.
• Collaborative mindset and ability to work effectively across teams in a fast-paced environment.
• Curiosity and eagerness to learn credit strategy, risk models and frameworks, and industry best practices.