Vice President - Card Acquisition Credit Strategy

JP Morgan Chase; Wilmington (DE); On-site; USD 140,000 - 190,000; Full time

Job summary

JP Morgan Chase in Wilmington, DE seeks a Vice President, Card Acquisition Credit Strategy Lead to drive pre-qualification channel strategy, balancing growth, profitability, and risk. You will partner across product, finance, legal, and risk teams to strengthen underwriting, monitoring, and controls.

You will set an operating rhythm, deliver performance views, and provide approvals or recommendations for complex acquisitions‑related credit decisions, shaping policies and governance to support

Qualifications

• Bachelor’s degree in finance, business, or a related field.
• 5 years of experience in consumer lending, originations, retail credit, or credit risk strategy at a large financial services firm.
• Demonstrated ability to evaluate, monitor, and manage credit risk in a regulated environment.
• Working knowledge of banking regulations and control expectations relevant to credit underwriting and originations.
• Strong analytical and financial acumen, with the ability to translate data into clear decisions and actions.
• Proven ability to influence outcomes through cross-functional partnership and stakeholder management.
• Strong executive communication skills, including creating clear, concise presentations and briefings.
• Demonstrated strategic thinking and execution, including identifying opportunities to improve processes and performance.
• Experience leading or supporting complex initiatives from design through implementation and performance tracking.

Responsibilities

• Define and execute pre‑qualification credit risk strategies to achieve growth and credit performance goals
• Partner with product and finance stakeholders to assess new credit opportunities and build actionable execution plans
• Establish review routines and governance to validate strategy assumptions and ensure disciplined execution
• Collaborate with modeling partners to shape credit model inputs, testing approaches, and roadmap priorities
• Develop performance metrics and monitoring dashboards; lead senior leadership readouts and recommendations
• Help shape credit policies, underwriting standards, and risk management frameworks for acquisitions
• Ensure adherence to applicable banking regulations, internal controls, and policy requirements
• Coordinate across stakeholders (risk, underwriting, legal, finance, and operations) to balance growth with risk outcomes
• Provide approvals or recommendations for complex acquisitions‑related credit decisions and exceptions

Skills

Credit risk strategy

Cross-functional collaboration

Data analysis

Executive communication

Strategic thinking

Stakeholder management

Education

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

Tools

SQL

Python

SAS

Snowflake

Tableau

Job description

Start your next chapter shaping how customers qualify for credit—where your judgment, analytics, and influence drive responsible growth at scale.

As a Vice President, Card Acquisition Credit Strategy Lead in the Card Credit Decisioning team, you will lead pre‑qualification channel strategy, balancing growth, profitability, and prudent risk management. You will partner across product, finance, legal, and risk partners to strengthen underwriting, monitoring, and controls. You will set a clear operating rhythm and performance view that supports sustainable outcomes.

Job responsibilities

• Define and execute pre‑qualification credit risk strategies to achieve growth and credit performance goals
• Partner with product and finance stakeholders to assess new credit opportunities and build actionable execution plans
• Establish review routines and governance to validate strategy assumptions and ensure disciplined execution
• Collaborate with modeling partners to shape credit model inputs, testing approaches, and roadmap priorities
• Develop performance metrics and monitoring dashboards; lead senior leadership readouts and recommendations
• Help shape credit policies, underwriting standards, and risk management frameworks for acquisitions
• Ensure adherence to applicable banking regulations, internal controls, and policy requirements
• Coordinate across stakeholders (risk, underwriting, legal, finance, and operations) to balance growth with risk outcomes
• Provide approvals or recommendations for complex acquisitions‑related credit decisions and exceptions

Required qualifications, capabilities, and skills

• Bachelor’s degree in finance, business, or a related field
• 5 years of experience in consumer lending, originations, retail credit, or credit risk strategy at a large financial services firm
• Demonstrated ability to evaluate, monitor, and manage credit risk in a regulated environment
• Working knowledge of banking regulations and control expectations relevant to credit underwriting and originations
• Strong analytical and financial acumen, with the ability to translate data into clear decisions and actions
• Proven ability to influence outcomes through cross-functional partnership and stakeholder management
• Strong executive communication skills, including creating clear, concise presentations and briefings
• Demonstrated strategic thinking and execution, including identifying opportunities to improve processes and performance
• Experience leading or supporting complex initiatives from design through implementation and performance tracking

Preferred qualifications, capabilities, and skills

• Experience building or managing pre‑qualification, underwriting, or acquisition strategies for unsecured consumer credit
• Experience partnering with credit modeling teams on model development, inputs, validation, or performance monitoring
• Proficiency with analytics tools such as SQL, Python, SAS, Snowflake, or Tableau
• Experience setting up governance routines (reviews, approvals, controls) for credit strategy execution
• Comfort operating in highly matrixed organizations with multiple senior stakeholders

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.