Job Summary:Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you will help the firm grow responsibly by identifying and managing risk while enabling sustainable business growth. Risk professionals play a critical role in protecting our customers, communities, and the firm through sound judgment, analytical rigor, and innovative thinking.
As a Vice President, Strategic Analytics within Business Card Risk, you will own acquisition credit strategies and underwriting policies for the Business Card portfolio. You will leverage data, analytics, and risk expertise to develop and optimize decision rules, approval criteria, and risk segmentation strategies that balance growth, profitability, customer experience, and risk outcomes. You will partner across Product, Finance, Operations, Technology, and Control functions to drive strategy development, implementation, monitoring, and governance while influencing senior leaders through data-driven recommendations.
Job Responsibilities:- Own Business Card acquisition credit criteria, including underwriting policies, risk segmentation, approval cutoffs, and decision rules.
- Analyze portfolio performance and emerging risk trends to identify opportunities to improve risk-adjusted growth and customer outcomes.
- Develop advanced analytical solutions using SAS, SQL, Python, and visualization tools to evaluate policy performance and tradeoffs.
- Optimize acquisition strategies by balancing approval rates, delinquency/loss outcomes, profitability, and regulatory requirements.
- Translate complex analyses into clear, actionable recommendations for senior leaders and key business partners.
- Partner with Product, Finance, Operations, Technology, Control Management, Compliance, and Fair Lending to design and refine acquisition criteria.
- Lead end-to-end implementation of credit criteria changes, including business requirements, validation testing, and post-implementation reviews.
- Establish monitoring frameworks and reporting to provide timely insights into performance, drift, and emerging risks.
- Maintain robust governance, documentation, and controls across the credit criteria lifecycle to support audit, regulatory, and internal review needs.
- Identify opportunities to enhance underwriting capabilities through new data sources, automation, and process improvements.
- Coach and develop junior analysts while promoting analytical rigor, collaboration, and continuous improvement.
Required Qualifications, Capabilities, and Skills:- 5+ years of experience in credit risk management, lending strategy, analytics, underwriting, or financial services.
- Strong experience developing and managing credit strategies, underwriting policies, or credit decision frameworks.
- Advanced analytical and problem-solving skills with experience working with large and complex datasets.
- Proficiency in SAS and SQL; experience using analytics to drive business decisions and portfolio outcomes.
- Ability to balance Risk, growth, profitability, and customer experience considerations in decision-making.
- Strong written and verbal communication skills, including presenting recommendations and insights to senior leadership.
- Proven ability to influence stakeholders and lead cross-functional initiatives without direct authority.
- Strong project management and execution skills with the ability to manage multiple priorities in a fast-paced environment.
- Demonstrated commitment to strong controls, governance, and high-quality deliverables.
- Hold a Bachelor's degree in Statistics, Economics, Finance, Mathematics, Engineering, Data Science, or a related quantitative discipline.
Preferred Qualifications, Capabilities, and Skills:- Experience managing acquisition credit strategies for credit card, small business lending, or other consumer lending portfolios.
- Demonstrated success delivering measurable improvements in risk-adjusted growth, profitability, and customer outcomes.
- Experience with credit card acquisition underwriting, risk segmentation, and portfolio management strategies.
- Knowledge of risk governance, model risk management, regulatory expectations, and audit requirements.
- Understanding of fair lending principles and compliance considerations within credit decisioning.
- Proficiency with Python, Tableau, Alteryx, or similar analytics and visualization platforms.
- Hold an advanced degree in a quantitative discipline (e.g., Statistics, Economics, Math, Finance, Data Science, Engineering).
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 USJPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.
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.
JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans
ABOUT THE TEAMOur professionals in our Corporate Functions cover a diverse range of areas from finance and risk to human resources and marketing. Our corporate teams are an essential part of our company, ensuring that we're setting our businesses, clients, customers and employees up for success.
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.
