Connected Commerce Alternate Lending Risk Associate

JPMorganChase•Wilmington, NC

About The Position

Help build and scale the next generation of digital-first lending at JPMorganChase. In this role, you’ll directly own and optimize risk strategies that balance growth, customer experience, and sound risk management. You’ll use advanced analytics to uncover insights, influence strategy, and deliver measurable business outcomes. If you enjoy solving ambiguous problems and partnering across teams to ship real solutions, this role offers high visibility and impact. As a Connected Commerce Alternate Lending Risk Associate in Connected Commerce Alternate Lending Risk Strategy, you lead strategy development and ongoing optimization for unsecured installment lending products, including Chase Pay in 4. You will own key elements of segmentation, targeting, and performance monitoring, applying quantitative analysis to improve profitability, credit outcomes, and customer experience. You’ll also partner with technical and business stakeholders to translate analytical insights into rules, automation, controls, and scalable execution—while supporting regulatory and policy alignment.

Requirements

Minimum 3 years of experience in risk management and/or financial services (credit risk, lending, analytics, strategy, or related)
Bachelor’s degree in a quantitative discipline (e.g., Statistics, Economics, Finance or similar) or equivalent practical experience
Hands-on experience using SAS and/or SQL for data extraction, analysis, and performance monitoring (other languages considered)
Strong proficiency in Excel and ability to synthesize results into clear, decision-ready insights (Tableau experience a plus)
Demonstrated ability to independently structure ambiguous problems and produce forward-looking, actionable solutions
Proven experience performing quantitative performance analysis (segmentation, targeting, trend analysis, monitoring, forecasting)
Strong written communication skills, including creating executive-ready presentations and documentation
Strong verbal communication skills, including presenting findings and recommendations to senior management
High attention to detail with a track record of strong execution, ownership, and follow-through
Ability to partner cross-functionally with technical, product, operations, and compliance stakeholders
Sound judgment, curiosity, and a disciplined analytic approach to decision-making

Nice To Haves

Experience supporting unsecured consumer lending products (installment, card, or digital lending)
Familiarity with rules engines, automated decisioning, and strategy implementation in production environments
Understanding of consumer banking financial fundamentals (profitability drivers, losses, unit economics, segment mix)
Experience building and managing controls, monitoring frameworks, and/or issue management routines
Exposure to risk governance, regulatory considerations, and policy adherence in a lending context
Experience with Tableau (or similar BI tools) to deliver scalable performance dashboards
Demonstrated ability to drive improvements that measurably impact risk outcomes and profitability

Responsibilities

Develop unsecured installment lending risk strategies using quantitative analysis (e.g., SAS, SQL) to improve performance, customer experience, and execution quality
Analyze portfolio performance to identify trends, risks, and opportunities across segments, channels, and strategies
Design segmentation and targeting approaches to optimize approvals, losses, customer outcomes, and profitability
Create forward-looking analytics and recommendations to address business issues and anticipate emerging risks
Forecast impacts of strategy and mix changes; guide business partners through adjustments based on expected outcomes
Translate strategy intent into clear requirements for rules engines and automated decisioning; partner with technical teams on implementation
Build monitoring and reporting to track strategy health, segment performance, and operational execution
Maintain comprehensive controls to ensure processes execute as designed and comply with internal standards
Investigate anomalies and performance changes; perform root-cause analysis and implement corrective actions
Prepare written presentations and communicate insights, findings, and recommendations to senior leaders
Support adherence to regulations and alignment with Risk Policy and established procedures