Credit Strategy - Chase Auto - Vice President

JPMorgan Chase & Co.; Plano (TX); On-site; USD 130,000 - 170,000; Full time

Job summary

A leading global financial services firm is seeking a Vice President in Credit Strategy to shape consumer credit strategy and oversee high-value exposures. This role involves leading credit analyses, developing risk management strategies, and defining credit policies. The ideal candidate will have at least 7 years in consumer lending or credit strategy, exceptional analytical and leadership skills. Strong collaboration with risk, underwriting, and finance teams is essential, along with the ability to influence executive decisions.

Qualifications

• Minimum 7 years of experience in consumer lending, credit strategy, or portfolio risk management.
• Strong independent judgment on complex credit decisions.
• Ability to influence outcomes in a matrixed organization.

Responsibilities

• Lead evaluation of complex consumer credit exposures.
• Monitor portfolio performance and develop mitigation strategies.
• Shape credit policies and underwriting guidelines.

Skills

Evaluating credit risk

Analytical skills

Strategic leadership

People leadership

Executive communication

Education

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

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.