Risk-Consumer Credit Emerging Risk – Vice President

Testing Site - JPMC; Wilmington (DE); On-site; USD 180,000 - 260,000; Full time

Job summary

JPMorgan Chase's Risk Management and Compliance group seeks a Vice President in the Credit Point of View team within CCB Risk to lead consumer credit analysis across portfolios and inform senior leaders with proactive risk views.

You will research macro drivers, build data visualizations, and communicate findings to analysts and executives, leveraging econometrics and tools like SAS, SQL, Alteryx, Tableau, and Python.

Qualifications

• Minimum 5+ years of credit experience in consumer credit portfolios.
• College degree or equivalent in business, economics, statistics, STEM or related field.
• Econometric experience with macro drivers of credit risk and lending strategy.
• Strong data and analytical skills using SAS, SQL, Alteryx, Tableau and Python.
• Experience with complex risk analyses to provide insights to senior management.
• Excellent communication to convey risk results to executives.

Responsibilities

• Perform analysis to research credit and consumer behavior trends and assess portfolio impact.
• Evaluate how changes in the consumer credit environment affect portfolio performance with macro and competitive insights.
• Research topics from media and investor questions and apply quantitative methods to identify emerging risks.
• Build compelling data visualizations and distill key information from large data sets.
• Communicate findings and participate in discussions with analysts and executives.

Skills

Data analysis

Communication

Econometrics

Risk awareness

Education

Bachelor's degree or equivalent in business, economics, statistics, STEM or related field

Tools

SAS

SQL

Alteryx

Tableau

Python

Job description

Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best‑class.

As a VP in the Credit Point of View team within CCB Risk, you will be accountable for consumer credit analysis across industry product types and CCB portfolios – informed by changes in the competitive landscape, consumer behavior, and macro‑economic influences. The credit views are used to support the Chief Risk Officer (and other senior leaders including the firm CRO, CFO, Investor Relations and Regulators) with a proactive viewpoint on consumer credit trends. You will be a strategic architect of compelling views of consumer and wholesale credit risk across CCB.

Job Responsibilities:

• Perform analysis to research credit and consumer behavior trends, understand their drivers, and conduct impact assessments on consumer credit portfolios.
• Evaluate how changes in the consumer credit environment impact the performance of credit portfolios – with a particular focus on macroeconomic, socioeconomic, and competitive intelligence trends.
• Research topics sourced from the media, investor questions, and general industry trends and proactively apply quantitative disciplines to associate topics with potential emerging risks around delinquency, loss and roll-rates, and forecasts.
• Build compelling data visualizations and distill key information clearly from large amounts of data.
• Communicate key findings, participate in forums, and advance the dialogue around credit trends within the risk community at both the analyst and executive levels

Required qualifications, capabilities, and skills:

• Minimum 5+ years of credit experience, in one or more consumer credit portfolios
• College degree or equivalent in business, economics, statistics, STEM or related field of study
• Econometric experience (e.g., competence in understanding key macro drivers of credit risk, customer behavior, and lending strategy) with a strong sense of data source familiarity (Census, BLS, FRED data)
• Strong data and analytical skills including familiarity with tools such as SAS, SQL, Alteryx, Tableau and python to manipulate big data into manageable analytics and identify, explain, and visualize key trends
• Experience with complex risk analyses (delinquency, roll-rates, and other risk measurements) to provide senior management with business insights of consumer credit quality and behavior trends, and portfolio performance
• Communication skills and ability to convey risk management results, outlooks and cross-consumer points of view to senior executives

Preferred qualifications, capabilities, and skills

• Deep credit risk experience in one or more consumer credit portfolios (i.e. Mortgage, Home Equity, Credit Card, Auto/Lease, Business Banking), Chase LOB data/product experience