Data-Driven Credit Strategy Associate

JPMorgan Chase & Co.; Wilmington (DE); On-site; USD 90,000 - 130,000; Full time

Job summary

JPMorgan Chase & Co. in Wilmington, DE is seeking a Risk Strategy Associate to shape credit strategies for a leading card portfolio. You will partner across teams, use data to drive decisions, and influence outcomes at scale.

You will drive acquisition risk strategy by setting guardrails for growth, monitor performance, and strengthen underwriting decisions across key customer segments. This role focuses on governance, modeling inputs, and policy shaping.

Qualifications

• Bachelor’s degree in a quantitative field required.
• 2+ years in direct-to-consumer lending, originations, or retail credit.
• Ability to evaluate and manage credit risk effectively.
• Strong quantitative, financial, and analytical skills.
• Experience collaborating across teams in large organizations.
• Ability to create executive-level presentation materials.

Responsibilities

• Partner with product and risk to assess new credit opportunities and define plans.
• Establish governance to validate underwriting assumptions and ensure discipline.
• Define inputs for new credit models and coordinate with modeling teams.
• Develop metrics to track acquisition outcomes and risk trends.
• Lead performance updates and executive-ready reporting for senior stakeholders.
• Shape credit policies, underwriting standards, and risk frameworks.
• Ensure adherence to regulations and internal controls for credit risk.
• Collaborate across risk, underwriting, legal, and finance to balance growth and risk.
• Provide recommendations and approvals for complex acquisition-related credit transactions.

Skills

Quantitative analysis

Financial analysis

Analytical skills

Strategic thinking

Execution skills

Cross-functional collaboration

Executive presentation

Data-driven decisions

Problem solving

Education

Bachelor’s degree in Finance/Statistics/Economics/Mathematics/OR

Tools

SAS

SQL

Python

Tableau

Job description

JPMorgan Chase & Co. in Wilmington, DE is seeking a Risk Strategy Associate to shape credit strategies for a leading card portfolio. You will partner across teams, use data to drive decisions, and influence outcomes at scale.

You will drive acquisition risk strategy by setting guardrails for growth, monitor performance, and strengthen underwriting decisions across key customer segments. This role focuses on governance, modeling inputs, and policy shaping.