Credit Strategy - Chase Auto - Vice President

Aumni; Plano (TX); On-site; USD 180,000 - 260,000; Full time

Job summary

JPMorganChase seeks a senior Credit Strategy leader for Chase Auto, reporting to the Credit Strategy Officer as VP. You will guide credit policy, oversee high-value exposures, and shape underwriting standards across the portfolio.

You will partner with Risk, Underwriting, Finance, Legal, and senior leaders to balance growth with governance and regulatory compliance, while mentoring a team of credit professionals.

Qualifications

• Bachelor’s degree in finance, business, economics or related field.
• 7+ years of progressive experience in consumer lending, credit strategy, underwriting or portfolio risk management.
• Strong independent judgment on complex credit decisions and deep credit risk expertise.

Responsibilities

• Lead evaluation of complex and high-value consumer credit exposures, 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.
• Advise on complex credit transactions, providing sound recommendations to senior stakeholders.
• Collaborate with Risk, Underwriting, Legal, Finance, and Business partners to align credit strategy with objectives.
• Lead and mentor a team, fostering technical capability and talent development.

Skills

Credit risk

Analytical skills

Leadership

Executive communication

Strategic thinking

Mentorship

Education

Bachelor’s degree in finance, business, economics

Job description

Bring your expertise to JPMorganChase and serve as a senior thought partner in shaping consumer credit strategy, overseeing high-value credit exposures and influencing credit policy across the portfolio.

As the Credit Strategy - Chase Auto - Vice President, you will report to the Credit Strategy Officer - Executive Director within the Chase Auto Credit Decisioning Unit. 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. Partnering closely with Risk, Underwriting, Finance, Legal, and senior leadership, you will 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 exposures, 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.
• Lead, develop and mentor a team, fostering strong technical capability, sound credit judgment and a culture of accountability and talent development.

Required Qualifications, Capabilities, and Skills

• Bachelor’s degree in finance, business, economics, or a related field.
• Minimum 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.
• People Leadership: Track record of developing high-performing teams through coaching, mentorship, and talent stewardship.
• 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.

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).

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 our FAQs for more information about requesting an accommodation.

Equal Opportunity Employer/Disability/Veterans

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. Shape consumer credit strategy, overseeing high-value credit exposures and influencing credit policy across the portfolio.