Vice President, Card Portfolio Risk Strategy

JPMorganChase; Wilmington (DE); On-site; USD 150,000 - 200,000; Full time

Benefits offered by this job

Comprehensive healthcare coverage

Retirement savings plan

Tuition reimbursement

Mental health support

Job summary

JPMorganChase is seeking a Vice President for Card Portfolio Risk Strategy to drive risk appetite and credit performance across the card lifecycle. You will work with product leaders to define credit strategies and ensure strong execution against credit assumptions.

The ideal candidate will have over 7 years of experience in direct-to-consumer lending, excellent analytical skills, and a bachelor's degree in finance or business. This role offers substantial visibility and development opportunities within our Consumer & Community Banking division.

Qualifications

• 7+ years of experience in retail credit or direct-to-consumer lending.
• Demonstrated ability to manage credit risk with strong judgment.
• Experience developing executive-level presentations.

Responsibilities

• Define credit parameters in partnership with various stakeholders.
• Assess and define execution plans for new credit initiatives.
• Maintain a strong regulatory and controls environment.

Skills

Credit risk evaluation

Quantitative analysis

Strategic thinking

Collaboration

Data fluency with SQL or Python

Education

Bachelor's degree in Finance or related field

Advanced degree (MBA or similar)

Tools

Analytics tools (SQL, Python, SAS)

Job description

Job Overview

You will join a high-impact team shaping how we grow responsibly at scale, partnering with senior leaders to translate insights into decisive credit actions. If you combine strong judgment, deep analytics, and executive-ready communication, this role offers meaningful scope, visibility, and development.

As a Vice President, Card Portfolio Risk Strategy in the Card Credit Decisioning team, you will lead first-line portfolio risk strategies that set and govern risk appetite, drive profitable growth, and strengthen credit performance across the card lifecycle. You will work directly with product leaders and second-line risk partners to identify emerging trends, translate them into policy and line-management actions, and ensure disciplined execution against approved credit assumptions.

Job Responsibilities

• Define the credit box in partnership with product leaders, Finance, and the second line of defense Credit Risk team
• Partner with product and risk teams to assess expansion opportunities and define execution plans for new credit initiatives
• Establish reviews and operating processes to ensure strong execution against credit assumptions and risk appetite
• Partner with risk strategy teams to define variables for new credit models and interface with the modeling team on the model suite and roadmap
• Recruit, coach, and develop high-performing talent to staff the Card Credit Decisioning team
• Develop and implement metrics to track performance and lead performance monitoring report-outs to senior leadership
• Contribute to policy and strategy development, including shaping credit policies and risk management frameworks
• Maintain a strong regulatory and controls environment through effective governance, documentation, and monitoring
• Collaborate across stakeholders including risk, underwriting, legal, and finance to balance growth and risk

Required Qualifications, Capabilities, And Skills

• Bachelor's degree in Finance, Business Administration, or a related field
• 7 or more years of relevant experience in direct-to-consumer lending, originations, and/or retail credit at a complex, large-scale financial services organization
• Demonstrated ability to evaluate and manage credit risk effectively with strong judgment in approving or recommending credit policy
• Exceptional quantitative and qualitative finance and analytical skills
• Demonstrated strategic thinking and execution skills with the ability to proactively identify opportunities to innovate and improve the business
• Proven experience collaborating across teams and lines of business within large organizations
• Experience developing executive-level presentation materials and briefings
• High level of personal initiative with a track record of setting and achieving challenging goals and demonstrating entrepreneurial leadership

Preferred Qualifications, Capabilities, And Skills

• Advanced degree (MBA, Master’s in Finance, Economics, Statistics, or a related discipline)
• Experience in credit card portfolio management, including credit line increase and line decrease strategies and lifecycle credit actions
• Hands-on experience partnering with model development teams on scorecards, policy models, and monitoring, including variable selection and performance governance
• Working knowledge of U.S. consumer credit regulatory expectations and risk controls (for example, OCC and CFPB)
• Strong data fluency with analytics tools such as SQL, Python, SAS, or similar, including building repeatable performance monitoring and reporting routines

Benefits & Compensation

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.

Equal Employment Opportunity

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.

About the Team

Our Consumer & Community Banking division serves Chase customers through a range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. 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.