Vice President, Card Portfolio Risk Strategy

Next Frontier Capital; Wilmington (DE); On-site; USD 180,000 - 250,000; Full time

Job summary

Chase in Wilmington, DE, seeks a Vice President, Card Portfolio Risk Strategy to lead first-line risk strategies that govern appetite, drive profitable growth, and strengthen credit performance across the card lifecycle.

You will collaborate with product, risk, legal, and finance teams to shape credit policies, define models, and monitor performance, delivering executive-ready analysis and governance across the organization.

Qualifications

• Bachelor’s degree in Finance, Business Administration, or a related field (required).
• 7+ years of experience in direct-to-consumer lending, originations, or retail credit in a large financial services organization (required).
• Strong judgment in evaluating credit risk and approving policy (required).
• Excellent quantitative and qualitative finance and analytical skills (required).
• Strategic thinking with execution capability and ability to identify opportunities (required).
• Experience collaborating across teams and lines of business (required).
• Experience developing executive-level presentation materials and briefings (required).
• Initiative with a track record of achieving challenging goals and entrepreneurial leadership (required).
• Advanced degree (MBA, Finance, Economics, Statistics, or related) is preferred.
• Experience in credit card portfolio management and lifecycle actions is preferred.
• Experience with model development teams on scorecards and policy models is preferred.
• Knowledge of U.S. consumer credit regulatory expectations is preferred.
• Strong data fluency with SQL, Python, SAS, or similar tools, and building reporting routines is preferred.

Responsibilities

• Define the credit box in partnership with product, Finance, and risk teams.
• Assess expansion opportunities and define execution plans for new credit initiatives.
• Establish reviews and processes for strong execution against credit assumptions and risk appetite.
• Define variables for new credit models and interface with the modeling team on the roadmap.
• Recruit, coach, and develop talent for the Card Credit Decisioning team.
• Develop metrics and lead performance monitoring reporting to senior leadership.
• Contribute to policy and strategy development, including risk frameworks and credit policy.
• Maintain governance and controls through documentation and monitoring.
• Collaborate with risk, underwriting, legal, and finance to balance growth and risk.

Job description

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 (Master of Business Administration, 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, Office of the Comptroller of the Currency and Consumer Financial Protection Bureau)
• Strong data fluency with analytics tools such as SQL, Python, SAS, or similar, including building repeatable performance monitoring and reporting routines

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.

Lead card portfolio risk strategy to balance growth and resilience through data-driven credit policy and line management.