Card Portfolio Credit Risk Strategy â Balance Transfer and Pricing, Vice Preside
慨正橡扯, Wilmington, DE, United States
JOB DESCRIPTION
Join a high-impact team shaping the future of credit card portfolio management at JPMorgan Chase. As a Vice President in the Lending and Balance Transfer team, you will directly influence strategic decisions that drive financial performance and customer experience. Collaborate with talented professionals, leverage advanced analytics, and present your insights to senior leadership. This is your opportunity to lead innovative risk strategies in a dynamic, fast-paced environment. Make your mark by delivering creative solutions and mentoring the next generation of analytics talent.
As a Vice President in the Lending and Balance Transfer team within the Portfolio Credit Risk Strategy group, you will have direct ownership and accountability for a defined group of portfolio risk strategies. You will focus on managing credit losses and profitability through balance transfer and new lending initiatives, portfolio pricing, and marketing eligibility. This role offers the opportunity to optimize segmentation, targeting, performance, and decision profitability, while collaborating with cross-functional partners and presenting to senior management.
Job Responsibilities
Own and drive risk initiatives for balance transfer, portfolio marketing eligibility, and portfolio pricing strategies
Oversee eligibility rules, strategy segmentations, and financial assessments to ensure robust risk management
Develop and apply advanced statistical and mathematical models using SAS and SQL to analyze complex data sets
Identify and implement enhancements to existing strategies to improve financial performance and customer experience
Design, execute, and monitor Test vs. Control experiments to validate new strategies and ensure sound decision‑making
Communicate analytical findings and strategic recommendations effectively to senior management and stakeholders
Partner with business, execution, and technology teams to implement, validate, and monitor strategy performance
Ensure strong governance, documentation, and audit controls for all portfolio lending strategies
Develop and maintain comprehensive process controls, performing root cause analysis and recommending resolutions
Mentor and lead junior analysts, fostering innovation and analytical excellence
Manage multiple projects simultaneously in a fast‑paced, evolving environment
Required Qualifications, Capabilities, and Skills
Minimum 5+ years of risk management or financial services experience
Bachelor’s degree in Statistics, Economics, Finance, or a related quantitative discipline
Advanced proficiency in SAS and SQL for data analysis and strategy development
Strong statistical analysis and quantitative modeling skills
Excellent written and verbal communication skills, with experience presenting to senior management
Proven ability to partner across functions and make independent decisions
High attention to detail and results orientation, with demonstrated project leadership
Strong understanding of financial procedures, principles, and consumer lending
Creative thinker with disciplined analytic and problem‑solving skills
Flexible and able to manage multiple priorities in a dynamic environment
Commitment to robust controls, governance, and process documentation
Preferred Qualifications, Capabilities, and Skills
Advanced degree (Master’s or PhD) in Mathematics, Statistics, Economics, Finance, or a related quantitative field
Experience designing and executing Test vs. Control experiments in a financial services context
Demonstrated success in developing and optimizing credit risk strategies for consumer lending portfolios
Experience with portfolio pricing and marketing eligibility strategies
Strong mentoring and leadership skills, with a track record of developing junior talent
Familiarity with operational risk management and audit processes
Ability to drive innovation and continuous improvement in risk strategy development
ABOUT US Chase is a leading financial services firm, helping nearly half of America’s households and small businesses achieve their financial goals through a broad range of financial products. Our mission is to create engaged, lifelong relationships and put our customers at the heart of everything we do. We also help small businesses, nonprofits and cities grow, delivering solutions to solve all their financial needs.
We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive 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. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on‑site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.
We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants’ and employees’ religious practices and beliefs, as well as mental health or physical disability needs. Visit ourFAQsfor more information about requesting an accommodation.
Equal Opportunity Employer/Disability/Veterans
ABOUT THE TEAM Our Consumer & Community Banking division serves our Chase customers through a range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. We’re proud to lead the U.S. in credit card sales and deposit growth and have the most‑used digital solutions – all while ranking first in customer satisfaction.
Risk Management helps the firm understand, manage and anticipate risks in a constantly changing environment. The work covers areas such as evaluating country‑specific risk, understanding regulatory changes and determining credit worthiness. Risk Management provides independent oversight and maintains an effective control environment.
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As a Vice President in the Lending and Balance Transfer team within the Portfolio Credit Risk Strategy group, you will have direct ownership and accountability for a defined group of portfolio risk strategies. You will focus on managing credit losses and profitability through balance transfer and new lending initiatives, portfolio pricing, and marketing eligibility. This role offers the opportunity to optimize segmentation, targeting, performance, and decision profitability, while collaborating with cross-functional partners and presenting to senior management.
Job Responsibilities
Own and drive risk initiatives for balance transfer, portfolio marketing eligibility, and portfolio pricing strategies
Oversee eligibility rules, strategy segmentations, and financial assessments to ensure robust risk management
Develop and apply advanced statistical and mathematical models using SAS and SQL to analyze complex data sets
Identify and implement enhancements to existing strategies to improve financial performance and customer experience
Design, execute, and monitor Test vs. Control experiments to validate new strategies and ensure sound decision‑making
Communicate analytical findings and strategic recommendations effectively to senior management and stakeholders
Partner with business, execution, and technology teams to implement, validate, and monitor strategy performance
Ensure strong governance, documentation, and audit controls for all portfolio lending strategies
Develop and maintain comprehensive process controls, performing root cause analysis and recommending resolutions
Mentor and lead junior analysts, fostering innovation and analytical excellence
Manage multiple projects simultaneously in a fast‑paced, evolving environment
Required Qualifications, Capabilities, and Skills
Minimum 5+ years of risk management or financial services experience
Bachelor’s degree in Statistics, Economics, Finance, or a related quantitative discipline
Advanced proficiency in SAS and SQL for data analysis and strategy development
Strong statistical analysis and quantitative modeling skills
Excellent written and verbal communication skills, with experience presenting to senior management
Proven ability to partner across functions and make independent decisions
High attention to detail and results orientation, with demonstrated project leadership
Strong understanding of financial procedures, principles, and consumer lending
Creative thinker with disciplined analytic and problem‑solving skills
Flexible and able to manage multiple priorities in a dynamic environment
Commitment to robust controls, governance, and process documentation
Preferred Qualifications, Capabilities, and Skills
Advanced degree (Master’s or PhD) in Mathematics, Statistics, Economics, Finance, or a related quantitative field
Experience designing and executing Test vs. Control experiments in a financial services context
Demonstrated success in developing and optimizing credit risk strategies for consumer lending portfolios
Experience with portfolio pricing and marketing eligibility strategies
Strong mentoring and leadership skills, with a track record of developing junior talent
Familiarity with operational risk management and audit processes
Ability to drive innovation and continuous improvement in risk strategy development
ABOUT US Chase is a leading financial services firm, helping nearly half of America’s households and small businesses achieve their financial goals through a broad range of financial products. Our mission is to create engaged, lifelong relationships and put our customers at the heart of everything we do. We also help small businesses, nonprofits and cities grow, delivering solutions to solve all their financial needs.
We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive 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. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on‑site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.
We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants’ and employees’ religious practices and beliefs, as well as mental health or physical disability needs. Visit ourFAQsfor more information about requesting an accommodation.
Equal Opportunity Employer/Disability/Veterans
ABOUT THE TEAM Our Consumer & Community Banking division serves our Chase customers through a range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. We’re proud to lead the U.S. in credit card sales and deposit growth and have the most‑used digital solutions – all while ranking first in customer satisfaction.
Risk Management helps the firm understand, manage and anticipate risks in a constantly changing environment. The work covers areas such as evaluating country‑specific risk, understanding regulatory changes and determining credit worthiness. Risk Management provides independent oversight and maintains an effective control environment.
#J-18808-Ljbffr