Vice President, Head of Balance Transfer Strategy

JPMorganChase; Wilmington (DE); On-site; USD 180,000 - 240,000; Full time

Job summary

JPMorgan Chase in Credit Solutions seeks a Vice President, Head of Balance Transfer Strategy with end-to-end ownership of balance transfer strategy for existing card customers, translating insights into decisions that improve customer and business outcomes.

You will partner across product, marketing, risk, finance, analytics and operations to design offers, pricing and targeting, and lead a high-performing team with strong governance.

Qualifications

• Minimum 8 years of experience in strategy, product management, consumer lending, credit cards, financial services, consulting, analytics, risk management, finance, or marketing strategy.
• Demonstrated experience owning or materially influencing financial outcomes for a lending, payments, financial services, or customer growth business.
• Strong executive communication skills, including the ability to simplify complexity, frame tradeoffs, and present clear recommendations.
• Strong analytical skills, with the ability to interpret financial, customer, credit, and marketing data and translate insights into decisions.
• Experience developing segmentation, targeting, pricing, offer, or channel strategies that drive measurable business outcomes.
• Proven ability to influence senior stakeholders and lead cross-functional teams in a matrixed environment.
• Customer-centered problem-solving skills that connect customer needs to operational realities and business performance.
• Strong execution discipline, including prioritization, decision-making with imperfect information, and delivering to timelines.

Responsibilities

• Own the end-to-end balance transfer strategy, including growth priorities, offer design, pricing, targeting, segmentation, and eligibility.
• Manage full business performance and financial outcomes, setting clear objectives and tracking results through disciplined reporting.
• Build and run a test-and-learn agenda across segments, channels, lifecycle moments, and offer constructs to drive measurable impact.
• Partner with product, marketing, risk, finance, analytics, operations, legal, compliance, and controls to evaluate tradeoffs and deliver outcomes.
• Influence roadmap priorities by defining high-value opportunities, expected outcomes, and business requirements.
• Translate customer needs, behavioral insights, portfolio trends, and macro dynamics into clear recommendations and business cases.
• Produce executive-ready updates that simplify complex topics and support fast, high-quality decision-making.
• Lead cross-functional execution from strategy through implementation with strong accountability and stakeholder management.
• Develop and coach a high-performing team while sustaining strong governance, risk management, and controls.

Skills

Executive communication

Analytical skills

Cross-functional collaboration

Strategic thinking

Education

Bachelor's degree or equivalent

Job description

Job Description

Start your next chapter shaping a high-impact lending strategy with real ownership and visible outcomes. You'll partner across teams to deliver responsible growth and a great customer experience.

Job Description

Start your next chapter shaping a high-impact lending strategy with real ownership and visible outcomes. You'll partner across teams to deliver responsible growth and a great customer experience. As a Vice President, Head of Balance Transfer Strategy in Credit Solutions, you will own the end-to-end strategy and performance for balance transfers offered to existing credit card customers, translating insights into decisions that improve customer and business outcomes.

Job responsibilities

• Own the end-to-end balance transfer strategy, including growth priorities, offer design, pricing, targeting, segmentation, and eligibility
• Manage full business performance and financial outcomes, setting clear objectives and tracking results through disciplined reporting
• Build and run a test-and-learn agenda across segments, channels, lifecycle moments, and offer constructs to drive measurable impact
• Partner with product, marketing, risk, finance, analytics, operations, legal, compliance, and controls to evaluate tradeoffs and deliver outcomes
• Influence roadmap priorities by defining high-value opportunities, expected outcomes, and business requirements
• Translate customer needs, behavioral insights, portfolio trends, and macro dynamics into clear recommendations and business cases
• Produce executive-ready updates that simplify complex topics and support fast, high-quality decision-making
• Lead cross-functional execution from strategy through implementation with strong accountability and stakeholder management
• Develop and coach a high-performing team while sustaining strong governance, risk management, and controls

Required qualifications, capabilities, and skills

• Minimum 8 years of experience in strategy, product management, consumer lending, credit cards, financial services, consulting, analytics, risk management, finance, or marketing strategy
• Demonstrated experience owning or materially influencing financial outcomes for a lending, payments, financial services, or customer growth business
• Strong executive communication skills, including the ability to simplify complexity, frame tradeoffs, and present clear recommendations
• Strong analytical skills, with the ability to interpret financial, customer, credit, and marketing data and translate insights into decisions
• Experience developing segmentation, targeting, pricing, offer, or channel strategies that drive measurable business outcomes
• Proven ability to influence senior stakeholders and lead cross-functional teams in a matrixed environment
• Customer-centered problem-solving skills that connect customer needs to operational realities and business performance
• Strong execution discipline, including prioritization, decision-making with imperfect information, and delivering to timelines
• Bachelor's degree or equivalent practical experience

Preferred Qualifications, Capabilities, And Skills

• MBA or advanced degree in business, finance, economics, analytics, marketing, or a related field
• Experience with U.S. credit cards, unsecured lending, existing customer marketing, portfolio management, promotional financing, or balance transfer products
• Background in pricing strategy, credit risk strategy, segmentation, campaign optimization, marketing analytics, or digital product strategy
• Hands-on experience applying AI or advanced analytics to workflows such as targeting, pricing analysis, test design, performance diagnostics, or process automation
• Experience building materials for executive business reviews, investment forums, governance, or strategic planning
• Familiarity with regulatory, control, compliance, and governance expectations for consumer lending products

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.

About Us

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

About The Team

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. We offer a broad array of credit cards to meet the needs of individuals and small businesses, including Chase-branded and co-branded cards in