Strategic Analytics - Card Portfolio Risk - Vice President

Next Frontier Capital; Wilmington (DE); On-site; USD 120,000 - 180,000; Full time

Job summary

JPMorgan Chase is seeking a data-driven risk analytics professional to lead analytics and optimization of Authorization Risk Management strategies for Chase Business Cards. You will drive responsible growth by balancing financial performance with robust controls and governance.

The role interfaces with Risk Governance, Legal and Compliance, and Product teams to shape the risk strategy, implement data-driven decisioning, and monitor strategy performance across the portfolio.

Qualifications

• Bachelor’s degree in a quantitative field from an accredited university.
• 5+ years in Consumer/Business lending.
• Knowledge of Consumer/Business credit laws.
• SAS, SQL, and statistical analysis experience.
• Leadership in solving business problems with analytics.
• Excellent communication and stakeholder influence.

Responsibilities

• Conduct complex analysis and present results to partners and management.
• Develop portfolio analytics with internal/external data and macro trends.
• Manage overlimit authorization strategies and exposure at customer level.
• Support risk strategy and product roadmap with cross-functional teams.
• Implement controls and governance to manage operational risk.

Skills

Data analysis

SAS

SQL

Statistical analysis

Leadership

Communication

Risk management

Project management

Education

Bachelor's degree in a quantitative discipline

Master's degree in a quantitative discipline

Tools

SAS

SQL

Job description

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 challenging the status quo and striving to be best-in-class.

You will be responsible for leading analytics to develop and optimize Authorization Risk Management strategies, policies, practices and controls for Business Cards to bring innovative new capabilities to our customers. You will ensure that these strategies drive strong financial performance, achieve loss mitigation objectives, and enable strong risk controls. You will meet regularly with stakeholders across Risk, Finance and Product Business Units to ensure a robust end to end strategy.

Job Responsibilities

• Conduct complex analysis including data collection, analysis, visualization and presentation of results to partners and management
• Develop portfolio analytics using internal and external data along with competitive and macro-economic trends
• Candidate will be tasked to manage and optimize overlimit authorization strategies and maximum allowable exposure strategy at the customer level
• Support formulation of risk strategy and product roadmap partnering with and influencing cross functional teams
• Mange risk strategies to drive financial performance and risk mitigation improvements while innovating to ensure optimal strategy performance with growth mindset
• Work closely with Risk Governance, Legal and Compliance to ensure policies are in compliance with laws and regulations
• Work with execution team to implement, validate, and monitor the strategy quality and its performance; ensure robust control and governance to manage operational risk.
• Understand data and find innovative solutions to complex business problem and drive healthy business growth with full cycle view of loss and profitability.
• Help spearhead best in class documentation and audit controls surrounding strategies.

Required Qualifications, Capabilities, and Skills:

• Bachelor’s degree in a quantitative discipline from an accredited college/university
• Minimum 5 +years of experience in the Consumer/Business lending industry
• Strong knowledge and understanding of Consumer/Business Credit laws and regulations
• SAS, SQL, and statistical analysis experience
• Proven ability to develop effective controls and manage risk in a complex environment
• Expertise in exposure management and risk mitigation strategies
• Demonstrated leadership in solving business problems through structured analytics
• Excellent communication and interpersonal skills, with the ability to influence senior stakeholders
• Proven ability to evaluate the business climate, anticipate change, and develop compensating strategies
• Strong project management skills and attention to detail
• Ability to efficiently manage concurrent assignments and quickly react to changing or competing priorities

Preferred Qualifications, Capabilities, and Skills:

• Master’s degree in a quantitative discipline or related field
• Background in developing and optimizing risk strategies for consumer/business card portfolios
• Experience with decision technology environments and complex strategy delivery
• Track record of driving innovation and process improvement in risk management
• Strong talent management and team development skills
• Familiarity with emerging risk management technologies and analytics tools

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.

Risk Management helps the firm understand, manage and anticipate risks in a constantly changing environment. The work covers areas such as evaluating country-specific risk, understanding regulatory changes and determining credit worthiness. Risk Management provides independent oversight and maintains an effective control environment.

Develop, establish and optimize authorization and exposure strategies for Chase Business Card Services, driving financial performance and risk controls.