Executive Director - Card Affluent Acquisitions Risk Strategy Director

Chase Card Services is the leading credit card issuer in the U.S. With over $1 trillion in sales volume, we have been #1 in the industry since 2017. We have also been #1 in outstandings (loans) for more than 10 years and lead in top-of-wallet market share. We serve more than 50 million active accounts across our Chase Branded Cards business, which includes the Sapphire, Freedom, Slate consumer credit cards and Ink small business portfolio, and our Co-Brand Card business.

Job Description:

As the Executive Director for Card Acquisitions Risk Strategy, supporting the Affluent portfolios, you will be responsible for developing, managing, and overseeing the newly created 1st line credit function for Affluent Card Acquisitions within the Card Credit Decisioning Unit. You will report to the Managing Director responsible for Card Acquisitions Risk Strategy.

You will play a key role in defining the risk appetite for Affluent Card acquisitions, managing credit risk, ensuring sound lending decisions that balance value creation and prudent risk management. Additionally, you will develop risk management strategies in partnership with the Credit Risk organization, and shape underwriting policies to align with the bank's financial goals. This includes management of risk-taking activities for card originations from approve/decline to credit line assignment for the Affluent portfolios within Card's ~10mm new accounts annually. This role requires deep analytical expertise, regulatory knowledge, and collaboration with internal teams to balance risk and growth.

• Define the Credit Box in partnership with Product GM's, Finance, and the second line of defense Credit Risk team
• Lead alignment with Product, Finance, and Risk to define and execute on strategies to achieve credit goals
• Partner closely with product and risk teams in assessing new credit opportunities. Define an execution plan for new credit opportunities
• Set up reviews and processes to ensure we are executing well on our credit box assumptions
• Partner with risk strategies in defining variables that would be included in new credit models and interface with the modeling team on the acquisitions modeling suite and roadmap
• Recruit and develop high performing talent to staff the acquisitions credit decisioning unit
• Reporting: Develop and implement metrics to track acquisitions performance. Lead the report outs for performance monitoring to senior leadership
• Policy & Strategy Development: Help shape credit policies, underwriting standards, and risk management frameworks
• Regulatory Compliance: Ensure adherence to banking regulations and internal controls related to credit risk
• Stakeholder Collaboration: Work with teams across business lines (e.g., risk, underwriting, legal, finance) to balance growth and risk
• Decision-Making Authority: Provide approvals or recommendations for complex acquisitions related credit transactions

• A Bachelor's Degree in finance, business administration, or a related field is required
• 10+ years of relevant experience in direct to consumer lending, originations, and/or retail credit experience at a complex large-scale financial services business
• Ability to evaluate and manage credit risk effectively
• Deep knowledge of banking regulations and ensuring adherence
• Strong judgment in approving or recommending credit transactions
• Exceptional quantitative and qualitative finance and analytical skills
• Demonstrated strategic thinking and execution skills; insight and ability to proactively identify opportunities to innovate and improve the business
• Exceptional people leadership, relationship development and negotiating skills; ability to earn respect and trust among internal and external business partners and team members
• Proven experience in collaborating across teams and lines of business within large organizations
• Strong proficiency with executive-level presentation materials and briefings, and the ability to simplify complex subject matter into digestible executive communications
• A high level of personal initiative, setting and achieving challenging goals, and demonstrating entrepreneurial leadership
• Excellent analytical skills with the ability to leverage data and anecdotal feedback to structure complex problems and make decisions
• Demonstrated career of successful program implementations