Credit Strategy - Chase Auto - Senior Associate

Aumni; Plano (TX); On-site; USD 80,000 - 100,000; Full time

Benefits offered by this job

Health care coverage

Retirement savings plan

Tuition reimbursement

Mental health support

Job summary

TwinThread is looking for a Credit Strategy Senior Associate to join their Chase Auto Credit Decisioning Unit in Plano, Texas. The role involves conducting credit analysis and portfolio performance monitoring, working closely with credit leadership to support strategic initiatives, and mentoring less-experienced analysts. Candidates should have a Bachelor’s degree in finance or a related discipline, along with at least 3 years of relevant industry experience. The position offers a competitive total rewards package with various benefits including health care coverage and retirement savings plan.

Qualifications

• Minimum 3 years of relevant experience in consumer credit or credit risk.
• Ability to interpret data, identify trends, and draw actionable conclusions.
• Understanding of consumer credit products and portfolio performance drivers.

Responsibilities

• Conduct credit analysis and monitor portfolio performance.
• Support development and maintenance of underwriting guidelines.
• Prepare data-driven reports for credit leadership.

Skills

Analytical mindset

Communication skills

Collaboration

Education

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

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.

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 our FAQs for more information about requesting an accommodation.