Risk Management - Collections Strategy – Associate

JPMorgan Chase & Co. • Wilmington, DE

4h

About The Position

Help protect customers and strengthen JPMorganChase by turning data into smarter, fairer collections decisions. In this role, you’ll sit at the intersection of analytics, strategy, and risk—shaping initiatives that improve outcomes and reduce losses. You’ll be empowered to challenge the status quo, dig into root causes, and influence senior stakeholders. If you’re curious, proactive, and motivated by measurable impact, this team offers a fast-paced environment with meaningful responsibility. As a/an Risk Management – Collections Strategy – Associate in the Collections Pre Charge-off Team (Cards), you drive analytics and risk monitoring that support responsible growth and long-term performance. You will identify performance trends, diagnose drivers of change, and translate complex insights into clear, actionable recommendations for senior leadership and cross-functional partners. You’ll also help strengthen the risk management framework by ensuring monitoring, reporting, and process improvements align to 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

Benefits

• competitive total rewards package including base salary determined based on the role, experience, skill set and location
• commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions
• comprehensive health care coverage
• on-site health and wellness centers
• a retirement savings plan
• backup childcare
• tuition reimbursement
• mental health support
• financial coaching

What This Job Offers

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