Risk Management - Credit Card Analytics -Vice President

JPMorganChase•Wilmington, NC

22h

About The Position

Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class. As a Vice President within Card Installment, you will have direct ownership and accountability for a defined set of portfolio risk strategies focused on managing credit losses and driving profitability. In this role, you will lead the development and optimization of portfolio strategies for products such as Chase Pay Over Time, My Chase Loan, and other innovative lending initiatives. This includes oversight of eligibility rules, strategy segmentations, and financial assessment. You will leverage data-driven segmentation, targeting, and performance analysis to enhance decision profitability. This position offers significant cross-functional exposure, collaborating closely with product design, marketing, finance, and other teams to build new programs from the ground up. As part of the broader Card Portfolio Credit Risk Team, you will play a key role in shaping the future of our lending products.

Requirements

6+ years of risk management or financial services experience
Strong written and verbal communication skills, including ability to present findings to Senior Management
Experience partnering across different functions and possess independent decision-making skills
SAS, SQL, and statistical analysis experience
Result oriented with high attention to detail and ability to lead projects
Flexible and able to handle multiple tasks in a fast-paced changing environment
Knowledge of financial procedures & principles and strong understanding of consumer lending
Proven innovative thinker with high degree of creativity and possess disciplined analytic and problem-solving skills
Bachelor’s degree in a relevant discipline like Statistics, Economics, or Finance

Nice To Haves

Related quantitative discipline preferred
Advanced degree in Mathematics, Statistics, Economics, Finance

Responsibilities

Have direct ownership and accountability of initiatives for various lending offers including Chase Pay Over Time After Checkout, Chase Pay Over Time at Point of Sale with various co-branded partners, My Chase Loan and other new lending initiatives that are in the pipeline.
Implement changes to the strategy with multiple business partners, and communicate performance and future expectations to multiple levels
Develop and apply mathematical or statistical theory using analytic tools (SAS, SQL etc.) to collect, organize, interpret, and summarize numerical data sets from multiple sources to develop the best in class risk strategy.
Candidate must have excellent SAS/SQL skills
Recognize opportunities and enhancements to existing strategies to improve overall financial performance, customer experience and execution quality
Design, implement, track, and report on new strategies in a Test vs. Control environment.
Follow a disciplined analysis approach to ensure recommendations taken to Senior Management result in correct decisions
Effectively develop and communicate creative solutions to business unit management
Work with execution team to implement, validate, and monitor the strategy quality and its performance; ensure robust control and governance to manage operational risk
Help spearhead best in class documentation and audit controls surrounding portfolio lending strategies
Develop and maintain comprehensive controls to ensure processes are executing as designed and perform root cause analysis on trends against these strategies and processes.
Where issues arise, must be able to recommend and implement appropriate resolutions
Act as a leader and mentor to junior analysts to understand data and find innovative solutions to complex business problems