Credit Strategy Officer - Chase Auto - Executive Director
Bring your expertise to JPMorgan Chase Auto, a leading provider of auto financing with a portfolio of $88 billion in assets and relationships with 75% of U.S. franchised automotive dealers. Our business serves auto dealers, consumers and vehicle manufacturers with a range of products and services, including retail lending, captive financing and floorplan products to cash management, private banking and payment processing.
Job Summary
As the Chase Auto - Credit Strategy Officer - Executive Director, you will report directly to the head of the Chase Auto Credit Decisioning Unit responsible for building, managing and overseeing the newly created 1st line credit function for the Auto organization. You will play a key role in managing credit risk, ensuring sound lending decisions, and maintaining portfolio health.
Additionally, you will assess high-value credit exposures, develop risk management strategies, and shape credit policies to align with the bank's financial goals. You will utilize your deep analytical expertise, regulatory knowledge, and collaboration with internal teams to balance risk and growth. This role will also provide support in decision-making for complex transactions, ensuring compliance with industry standards and internal controls.
Job Responsibilities
- Evaluate and approve credit exposures for commercial or consumer lending, ensuring alignment with risk appetite and policies.
- Monitor loan portfolios, identify potential risks, and develop strategies to mitigate them.
- Help shape credit policies, underwriting standards, and risk management frameworks.
- Ensure adherence to banking regulations and internal controls related to credit risk.
- Work with teams across business lines (e.g., risk, underwriting, legal, finance) to balance growth and risk.
- Provide approvals or recommendations for complex and high-value credit transactions.
Required qualifications, capabilities and skills
- A Bachelor's Degree in finance, business administration, or a related field
- Relevant experience in consumer lending, originations, and/or retail credit experience at a complex large-scale financial services business
- Ability to evaluate and manage credit risk effectively and strong judgment in approving or recommending credit transactions
- Knowledge of banking regulations and ensuring adherence
- Demonstrated career of successful program implementations
- Exceptional Analytical & Financial Skills: Advanced quantitative and qualitative finance abilities, leveraging data and feedback to solve complex problems and drive decision-making.
- Strategic Thinking & Execution: Proven ability to identify opportunities for innovation and business improvement, with strong execution skills.
- Leadership & Relationship Building: Exceptional people leadership, relationship development, and negotiation skills, earning trust among internal and external partners.
- Cross-Team Collaboration: Demonstrated success collaborating across teams and business lines within large organizations.
- Executive Communication: Strong proficiency in creating executive-level presentations and simplifying complex topics for senior audiences.
- Initiative & Entrepreneurial Drive: High personal initiative, goal-setting, and entrepreneurial leadership to achieve challenging objectives.
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To be eligible for this role, you must be authorized to work in the United States. We do not offer any type of employment-based immigration sponsorship for this role. Likewise, JPMorgan Chase & Co., will not provide any assistance or sign any documentation in support of any other form of immigration sponsorship or benefit including optional practical training (OPT) or curricular practical training (CPT).
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.
Perks and Benefits
Health and Wellness
Parental Benefits
Work Flexibility
Office Life and Perks
Vacation and Time Off
Financial and Retirement
Professional Development
Diversity and Inclusion