Job SummaryTurn complex lending performance and pricing questions into clear insights that influence real decisions. In this role, your analysis will directly shape small business lending strategy and outcomes. You'll work across Product, Risk, Credit Decisioning, Legal, and Compliance to deliver well-governed pricing recommendations. If you enjoy ambiguity and building scalable ways of working, you'll have meaningful impact and visibility.
Job summaryAs a Vice President in Business Banking Lending Finance, you will support pricing analysis, forecasting, and management reporting across the wholesale lending portfolio. You will translate business cases into financial performance analysis and deliver actionable insights that help leaders make informed decisions. You will partner closely across functions to interpret results, guide key decisions, and support initiatives from concept through implementation and ongoing monitoring. You will also help improve the efficiency and scalability of management reporting while maintaining strong governance and controls.
Job responsibilities- Partner with Product, Credit Decisioning, and Risk leaders to shape lending pricing strategy from concept through implementation and ongoing performance monitoring.
- Develop and maintain financial analysis models and tools in partnership with modeling teams, ensuring strong controls, clear documentation, and long-term sustainability.
- Evaluate relationship-based pricing and discount requests through economic analysis, including profitability, shareholder value added, and return on equity.
- Govern key economic, capital, and expense assumptions and deliver decision-ready analysis that informs product strategy and business cases.
- Maintain and refresh pricing parameters, including rate grids, floors and ceilings, segmentation, and other key pricing levers.
- Execute ad hoc analyses and deep dives on key business questions, including pricing tests that assess trade-offs across rate, volume, risk, and profitability, and translate findings into clear recommendations.
- Enhance management reporting by centralizing data, modernizing tools, and enabling self-service insights while maintaining strong controls.
Required qualifications, capabilities, and skills- 7+ years of progressive experience in finance, financial planning and analysis, business management, banking, or related analytical functions.
- Bachelor's degree in finance, statistics, accounting, or a related field.
- Demonstrated ability to analyze and interpret profit and loss statements, balance sheets, net interest income, expenses, and key performance drivers.
- Advanced financial modeling and forecasting experience, including scenario analysis, sensitivity analysis, and trend analysis.
- Experience developing business cases supported by quantitative and qualitative analysis, including return-on-investment assessments, net present value calculations, and break-even analysis.
- Demonstrated ability to identify, quantify, and explain variances between actual and planned performance, determine root causes, and recommend actions.
- Knowledge of common performance metrics, including return on equity, return on assets, and discounted cash flow concepts.
- Advanced proficiency in Microsoft Excel and Microsoft PowerPoint, including building interactive reporting and analysis tools.
- Demonstrated ability to translate complex financial analyses into clear, actionable insights for senior leaders and stakeholders.
- Demonstrated ability to collaborate across functions, influence decisions, and manage multiple priorities with strong attention to detail.
Preferred qualifications, capabilities and skills- Experience with lending products and pricing, including rate grids, floors and ceilings, segmentation, and pricing parameter governance.
- Experience building financial models and analytics tools with strong control standards.
- Familiarity with wholesale lending portfolios and profitability frameworks used in financial performance assessment.
Additional InformationTo 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 (including but not limited to H1B, H4-EAD, OPT, TN, or L visas). 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). This role is not eligible for relocation assistance.
ABOUT USChase 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 TEAMOur 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.
Global Finance & Business Management works to strategically manage capital, drive growth and efficiencies, maintain financial reporting and proactively manage risk. By providing information, analysis and recommendations to improve results and drive decisions, teams ensure the company can navigate all types of market conditions while protecting our fortress balance sheet.
