Executive Director - Card Affluent Acquisitions Risk Strategy Director

JPMorgan Chase & Co.•Wilmington, DE

48d

About The Position

As the Executive Director for Card Acquisitions Risk Strategy, supporting the Affluent portfolios, you will be responsible for developing, managing, and overseeing the newly created 1st line credit function for Affluent Card Acquisitions within the Card Credit Decisioning Unit. You will report to the Managing Director responsible for Card Acquisitions Risk Strategy. You will play a key role in defining the risk appetite for Affluent Card acquisitions, managing credit risk, ensuring sound lending decisions that balance value creation and prudent risk management. Additionally, you will develop risk management strategies in partnership with the Credit Risk organization, and shape underwriting policies to align with the bank's financial goals. This includes management of risk-taking activities for card originations from approve/decline to credit line assignment for the Affluent portfolios within Card's ~10mm new accounts annually. This role requires deep analytical expertise, regulatory knowledge, and collaboration with internal teams to balance risk and growth.

Requirements

A Bachelor's Degree in finance, business administration, or a related field is required
10+ years of relevant experience in direct to consumer lending, originations, and/or retail credit experience at a complex large-scale financial services business
Ability to evaluate and manage credit risk effectively
Deep knowledge of banking regulations and ensuring adherence
Strong judgment in approving or recommending credit transactions
Exceptional quantitative and qualitative finance and analytical skills
Demonstrated strategic thinking and execution skills; insight and ability to proactively identify opportunities to innovate and improve the business
Exceptional people leadership, relationship development and negotiating skills; ability to earn respect and trust among internal and external business partners and team members
Proven experience in collaborating across teams and lines of business within large organizations
Strong proficiency with executive-level presentation materials and briefings, and the ability to simplify complex subject matter into digestible executive communications
A high level of personal initiative, setting and achieving challenging goals, and demonstrating entrepreneurial leadership
Excellent analytical skills with the ability to leverage data and anecdotal feedback to structure complex problems and make decisions
Demonstrated career of successful program implementations

Responsibilities

Define the Credit Box in partnership with Product GM's, Finance, and the second line of defense Credit Risk team
Lead alignment with Product, Finance, and Risk to define and execute on strategies to achieve credit goals
Partner closely with product and risk teams in assessing new credit opportunities. Define an execution plan for new credit opportunities
Set up reviews and processes to ensure we are executing well on our credit box assumptions
Partner with risk strategies in defining variables that would be included in new credit models and interface with the modeling team on the acquisitions modeling suite and roadmap
Recruit and develop high performing talent to staff the acquisitions credit decisioning unit
Reporting: Develop and implement metrics to track acquisitions performance. Lead the report outs for performance monitoring to senior leadership
Policy & Strategy Development: Help shape credit policies, underwriting standards, and risk management frameworks
Regulatory Compliance: Ensure adherence to banking regulations and internal controls related to credit risk
Stakeholder Collaboration: Work with teams across business lines (e.g., risk, underwriting, legal, finance) to balance growth and risk
Decision-Making Authority: Provide approvals or recommendations for complex acquisitions related credit transactions