Executive Director, Portfolio Strategy - Authorized User Business

J.P. Morgan; New York (NY); On-site; USD 180,000 - 260,000; Full time

Job summary

Chase Card Services in New York seeks an Authorized User Portfolio Strategy Lead to shape multi-year strategy, define value propositions, and drive measurable growth across consumer card portfolios.

You will own segmentation, pricing, positioning, and servicing while managing financial performance and investment cases for senior leadership.

Qualifications

• 10 years of experience in credit card marketing, portfolio strategy, or card economics.
• Strong financial and business acumen, including unit economics, forecasting, ROI trade-offs.
• Demonstrated customer-first mindset with cross-functional leadership.
• Experience leading decision-making with senior stakeholders in a matrixed environment.
• Commitment to risk controls and operating procedures.

Responsibilities

• Drive the multi-year AU business strategy across segmentation, value proposition, pricing, and competitive positioning.
• Own the AU P&L, including revenue and expense drivers across card portfolios.
• Set annual financial targets and operating plans, and deliver against commitments with transparency and rigor.
• Build business cases for new investments and present clear, data-driven recommendations to senior leadership.
• Define risk and servicing strategies that support multiple users on a shared account while meeting control expectations.
• Establish KPI definitions and an operating cadence, including dashboards, performance reviews, and executive reporting.
• Lead cross-functional partners across product, risk, servicing, analytics, and finance to translate strategy into roadmaps and measurable outcomes.

Skills

Credit card marketing

Portfolio strategy

Financial acumen

Leadership

Risk management

KPI dashboards

Job description

Chase Card Services is seeking a visionary, commercially driven executive to drive the Authorized User (AU) business as a standalone growth engine across the Sapphire, Freedom, and Slate portfolios. Today’s cardmembers increasingly manage spending across families, partners, and trusted individuals. The next generation of AU experiences will be powered by a dynamic lineup of card choices, real-time spend controls, personalized benefits and rewards, and enhanced servicing experiences that make every Authorized User feel like a primary cardmember relationship.

Create customer-first Authorized User experiences that help people confidently manage shared spending across families and trusted individuals. You’ll shape the multi-year strategy, define compelling value propositions, and partner across teams to deliver strong financial outcomes with disciplined risk and servicing.

As a Authorized User Portfolio Strategy Lead in Card Portfolio Strategy, you own the strategy that drives the Authorized User business across consumer credit card portfolios. You’ll set the roadmap across segmentation, pricing, positioning, and servicing, while managing financial performance and building investment cases for senior leadership. You’ll lead through influence in a highly matrixed environment, using clear KPIs and operating rigor to deliver measurable results.

Job responsibilities

• Drive the multi-year Authorized User business strategy across segmentation, value proposition, pricing, and competitive positioning
• Own the Authorized User business P&L, including revenue and expense drivers across card portfolios
• Set annual financial targets and operating plans, and deliver against commitments with transparency and rigor
• Build business cases for new investments and present clear, data-driven recommendations to senior leadership
• Define risk and servicing strategies that support multiple users on a shared account while meeting control expectations
• Establish KPI definitions and an operating cadence, including dashboards, performance reviews, and executive reporting
• Lead cross-functional partners across product, risk, servicing, analytics, and finance to translate strategy into roadmaps and measurable outcomes

Required qualifications, capabilities, and skills

• 10 years of experience in credit card marketing, portfolio strategy, or card economics
• Strong financial and business acumen, including unit economics, forecasting, scenario planning, ROI trade-offs, and investment prioritization
• Demonstrated customer-first mindset with a track record of improving customer experiences
• Proven ability to lead cross-functional decision-making with senior stakeholders in a highly matrixed environment
• Demonstrated commitment to risk management, controls, and operating procedures
• Strong operating discipline, including governance, documentation, KPI frameworks, dashboards, and executive readouts

Preferred qualifications, capabilities, and skills

• Experience owning P&L performance for a large consumer portfolio or product line
• Experience developing pricing and value proposition strategies in a competitive market
• Experience partnering with analytics teams to diagnose performance drivers and optimize outcomes
• Ability to influence senior leadership through clear storytelling and structured recommendations
• Experience building servicing strategies that improve satisfaction while managing risk and cost

Applicants must be authorized to work for any employer in the US. We are not able to provide immigration sponsorship or take over sponsorship of an employment visa at this time. Final job grade level and corporate title will be determined at time of offer and may differ from this posting.

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.

We offer a broad array of credit cards to meet the needs of individuals and small businesses, including Chase-branded and co-branded cards in partnership with well-known companies and organizations. Merchant Services is a leading provider of payment, fraud and data security for companies, capable of authorizing transactions across global currencies.

Lead the Authorized User portfolio strategy across value proposition, risk, servicing, and P&L performance to drive sustainable growth.