Business Card Strategic Analytics - Consumer & Community Banking - Vice President

JPMorgan Chase & Co. • Wilmington, DE

3d

About The Position

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 use 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, and influence senior leaders through data-driven recommendations.

Requirements

• At least 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, including experience working with large and complex datasets.
• Proficiency in SAS and SQL, with 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, including the ability to manage multiple priorities in a fast-paced environment.
• Demonstrated commitment to strong controls, governance, and high-quality deliverables.
• Bachelor’s degree in Statistics, Economics, Finance, Mathematics, Engineering, Data Science, or a related quantitative discipline.

Nice To Haves

• 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.
• Advanced degree in a quantitative discipline, such as Statistics, Economics, Mathematics, Finance, Data Science, or Engineering.

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 analytical solutions using SAS, SQL, Python, and visualization tools to evaluate policy performance and tradeoffs.
• Optimize acquisition strategies by balancing approval rates, delinquency and loss outcomes, profitability, and regulatory requirements.
• Translate complex analyses into clear, actionable recommendations for senior leaders and 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 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.

Benefits

• Competitive total rewards package, including base salary determined based on role, experience, skill set, and location.
• Eligible roles may receive commission-based pay and/or discretionary incentive compensation in the form of cash and/or forfeitable equity.
• Comprehensive health care coverage.
• On-site health and wellness centers.
• Retirement savings plan.
• Backup childcare.
• Tuition reimbursement.
• Mental health support.
• Financial coaching.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior