Executive Director - Card SMB Acquisitions Risk Strategy Director

JPMorgan Chase & Co.•New York, NY

49d

About The Position

Join Chase Card Services, the top credit card issuer in the U.S., and lead innovative credit strategies for small and medium businesses. As a Card Acquisitions Risk Strategy Director in the Card Credit Decisioning Unit, you will lead the credit function for Small & Medium Business Card Acquisitions. You will define risk appetite, manage credit risk, and ensure lending decisions align with our financial goals. Collaborating with internal teams, you will develop risk management strategies and shape underwriting policies to support responsible growth. Your role is crucial in managing risk-taking activities for business card originations.

Requirements

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 along with deep knowledge of banking regulations and ensuring adherence
Strong judgment in approving or recommending credit transactions along with 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 SMB Product GM’s, Finance, and the second line of defense Credit Risk team
Lead alignment with Product and 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
Develop and implement metrics to track acquisitions performance. Lead the report outs for performance monitoring to senior leadership
Help shape credit policies, underwriting standards, and risk management frameworks
Ensure adherence to banking regulations and internal controls related to credit risk
Work with teams across business lines (e.g., risk, underwriting, legal, finance) to balance growth and risk
Provide approvals or recommendations for complex acquisitions related credit transactions