Risk Management - Collections Strategy – Associate

JPMorganChase•Wilmington, NC

About The Position

This role helps protect customers and strengthen JPMorganChase by transforming data into smarter, fairer collections decisions. The Associate will operate at the intersection of analytics, strategy, and risk, shaping initiatives to improve outcomes and reduce losses. They are expected to challenge the status quo, investigate root causes, and influence senior stakeholders. The position is within the Collections Pre Charge-off Team (Cards) and involves driving analytics and risk monitoring to support responsible growth and long-term performance. Key responsibilities include identifying performance trends, diagnosing change drivers, and translating complex insights into clear, actionable recommendations for senior leadership and cross-functional partners. The role also contributes to strengthening the risk management framework by ensuring monitoring, reporting, and process improvements align with established risk parameters and regulatory expectations.

Requirements

Bachelor’s degree or higher in a quantitative discipline (e.g., Finance, Statistics, Economics, Mathematics, Operations Research, or related field)
Minimum 2 years of analytics experience, including trend analysis and performance measurement in a business context
Demonstrated ability to logically structure ambiguous problems and execute end-to-end analyses with strong attention to detail
Proficiency using quantitative methods (e.g., statistical analysis, segmentation, regression, or related techniques) to inform decisions
Experience applying data mining approaches to large datasets to identify insights and drivers
Ability to translate complex analysis into practical solutions and concise presentations with sound business conclusions
Strong communication skills, including presenting findings and recommendations to stakeholders at varying seniority levels
Comfort working independently, prioritizing work effectively, and making well-reasoned decisions with limited supervision
Proven problem-solving skills, including conducting root cause analysis and developing actionable recommendations
Adaptability to learn new tools and technologies quickly and apply them to improve outcomes
Results orientation, with a track record of delivering measurable impact in a fast-paced environment

Nice To Haves

Experience in credit risk, collections strategy, or consumer lending, especially within Cards or unsecured products
Working knowledge of pre charge-off collections workflows, performance metrics, and loss drivers
Advanced analytics tooling experience (e.g., SQL and/or Python/R; visualization tools such as Tableau/Power BI)
Experience building executive-ready monitoring dashboards, scorecards, or recurring risk reporting routines
Familiarity with risk governance concepts (controls, monitoring, documentation) and partnering with compliance/legal stakeholders
Strong stakeholder management skills, including influencing across functions without direct authority
Continuous improvement mindset, with examples of process enhancements or automation that improved insight delivery or decisioning

Responsibilities

Develop comprehensive analytics to measure, evaluate, and challenge key collections and pre charge-off initiatives
Independently generate data-driven solutions that improve strategy performance and risk outcomes
Partner with cross-functional teams to assess trends and deliver insights across the collections lifecycle
Analyze large behavioral datasets using statistical and data mining techniques to uncover patterns and opportunities
Perform root cause analysis to explain performance movement and isolate key drivers
Translate complex findings into practical recommendations with clear business implications and trade-offs
Prepare detailed risk monitoring and performance reporting for senior management and key stakeholders
Present insights and recommendations to multiple levels of management with concise, compelling narratives
Support the development and maintenance of the risk management framework, including controls, monitoring, and documentation
Ensure work aligns with regulatory requirements and internal risk standards
Monitor internal/external signals (behavioral data, industry trends, regulatory changes, and best practices) to continuously improve processes