Analytics Associate, Card Risk Management

JPMorgan Chase & Co.•Wilmington, DE

About The Position

As an Analytics Associate, Card Risk Management in Chase Card Services, Risk Management and Compliance (Collections Risk Criteria Team), you will develop and execute customer outreach strategies across channels while building short-term and long-term analytics to measure performance, manage risk, and guide strategy decisions. You will design test-and-learn programs, define eligibility and targeting frameworks, monitor operational and customer impact, and deliver leadership-ready insights and recommendations. You will partner closely with Operations, Legal, Compliance, Product, Analytics, Technology, and Credit Strategy to ensure end-to-end execution within the firm’s risk appetite and regulatory expectations.

Requirements

Bachelor’s degree or equivalent relevant experience.
Minimum 1+ years of experience in credit risk, collections/servicing strategy, controls, compliance, audit, or a related function within financial services.
Minimum 1+ years of hands-on analytics experience supporting strategy decisions (short-term performance diagnosis and longer-term frameworks/automation).
Demonstrated knowledge of the account lifecycle (portfolio management through collections/recovery) and associated risk considerations.
Proven experience developing or optimizing outreach/channel strategies (segmentation, eligibility, cadence, messaging, channel mix, and timing).
Ability to design and evaluate experiments (hypothesis development, success metrics, measurement methodology, and interpretation of results).
Experience monitoring and explaining operational KPIs and translating them into actionable recommendations and governance decisions.
Strong risk and control mindset, including identifying customer harm/compliance risks and implementing mitigations.
Excellent stakeholder management across Operations, Legal, Compliance, Product, Analytics, Technology, and Credit Strategy.
Strong written and verbal communication skills, including executive-ready narratives, readouts, and recommendations.
Strong organizational skills, including ability to manage multiple priorities, timelines, and cross-functional dependencies.

Nice To Haves

Advanced analytics/tooling (e.g., SQL; Python or SAS; Tableau/Power BI) to enable repeatable insights and reporting automation.
Experience with test governance (documentation, controls, audit readiness, and compliance partnership) for customer communications.
Familiarity with communications compliance considerations (e.g., consent/opt-out management, complaint monitoring, channel policies).
Experience balancing capacity and operational constraints (dialer capacity, agent staffing, vendor/print lead times) in strategy design.
Background in customer-centered strategy incorporating fairness, vulnerability considerations, and complaint/dispute trend analysis.
Comfort presenting to senior leaders, including succinct executive summaries and clear decision asks.

Responsibilities

Develop multi-channel outreach strategies (call, text/SMS, email, letters) aligned to business objectives, customer experience, and risk appetite.
Analyze short-term outreach performance to diagnose drivers, identify issues/opportunities, and recommend rapid iterations to improve outcomes.
Build long-term measurement frameworks (KPIs, definitions, attribution, governance) that enable durable performance monitoring and roadmap decisions.
Design test-and-learn experiments (segmentation, channel mix, cadence, messaging, timing) including hypotheses, success metrics, and evaluation plans.
Execute experimentation measurement (test/control design, eligibility rules, operational feasibility checks) and synthesize results into actions.
Optimize engagement, cures, recoveries, and cost-to-collect while balancing customer impact, operational constraints, and compliance requirements.
Define eligibility and targeting criteria to ensure the right customers receive the right treatment at the right time, incorporating risk controls.
Monitor KPIs such as contact rate, right-party contact, response rate, promise-to-pay, cure/roll rates, recovery dollars, complaints, opt-outs, and capacity impacts.
Deliver recurring reporting and insights for senior management, highlighting trends, risks, tradeoffs, and recommended actions.
Conduct risk assessments for regulatory, operational, customer harm, and reputational risks; implement mitigations and document controls.
Collaborate cross-functionally to align strategy, execution, and governance across stakeholders and adapt to policy/regulatory changes.