Executive Director in Card Credit Risk Management - Installments
JPMorgan Chase & Co., Wilmington, DE, United States
As an
Executive Director in Card Credit Risk Management - Installments
in
Card Credit Risk Management within Consumer and Community Banking , you will directly own the risk policy strategy and decision framework supporting Chase installment programs, ensuring strong performance, customer experience, and disciplined risk governance.
You will lead the development and optimization of eligibility rules, segmentation strategies, and credit decision policies using data-driven insights and advanced analytics. You will collaborate closely with product, design, technology, finance, and execution teams to integrate solutions into production, monitor results, and continuously improve. You will also build and lead a team of analysts, fostering strong talent development and a “work smart first, hard second” culture.
Job Responsibilities
Own
end-to-end risk policy and credit decision framework for Chase installment programs, including eligibility rules and segmentation.
Lead
strategic analytics to evaluate program performance and drive improvements across loss outcomes, profitability, and customer experience.
Develop
and optimize data-driven risk strategies aligned to the broader card credit risk decision framework and program objectives.
Partner
with product, design, technology, finance, and business teams to translate risk strategies into scalable program features and rules.
Drive
enhancements to the decision framework by identifying opportunities through performance insights, test-and-learn approaches, and segmentation analysis.
Communicate
performance results, emerging trends, and forward-looking expectations to stakeholders and senior leadership with clear, fact-based narratives.
Collaborate
with execution teams to implement policy changes, validate decision quality, and monitor post-implementation performance.
Establish
robust controls, monitoring, and governance routines to manage operational risk and ensure processes execute as designed.
Perform
root-cause analysis on performance trends and control gaps, then recommend and implement corrective actions.
Mentor
and develop junior analysts, elevating technical rigor, business judgment, and problem-solving capabilities across the team.
Contribute
to the broader JPMorganChase risk culture through leadership, partnership, and continuous improvement mindset.
Required Qualifications, Capabilities, and Skills
7+ years of experience
solving complex problems at scale, preferably in credit risk management, finance, or a closely related field.
Demonstrated ability to
lead teams with direct reports , including coaching, performance management, and talent development.
Proven ability to
influence senior stakeholders
through concise, fact-based written and verbal communications.
Strong ability to
anticipate risks and issues , proactively escalating and resolving challenges that impact performance or delivery.
Strong understanding of
consumer finance P&L
and profit drivers, with the ability to link risk policy decisions to financial outcomes.
Experience developing, optimizing, and governing
credit decision frameworks , including segmentation and eligibility strategy.
Ability to
partner cross-functionally
with product, technology, finance, and business teams to deliver solutions into production.
Strong analytical mindset with demonstrated ability to translate data into actionable policy and business recommendations.
Proficiency with
Microsoft Office
(Excel, PowerPoint, Word) for analysis, storytelling, and executive-ready communication.
Working proficiency in
SQL
to extract, manipulate, and analyze large datasets.
Experience using
SAS
and/or
Tableau
to perform analysis and develop monitoring/reporting views.
Preferred Qualifications, Capabilities, and Skills
Prior experience in
card installment lending
or related revolving credit installment features (e.g., pay-over-time, balance conversion, loan-on-card).
Deep expertise in
credit risk management
for consumer credit cards, including policy strategy and performance monitoring.
Strong
people management
track record, including building high-performing teams and developing future leaders.
Exceptional
executive communication
skills, with comfort presenting complex analytics to non-technical audiences.
Demonstrated strength in
data analytics and segmentation
methods used for risk policy optimization.
Strong, practical understanding of
end-to-end execution , including controls, governance, and operational risk management.
Experience driving improvements that measurably impact
profitability, loss performance, and customer experience .
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Executive Director in Card Credit Risk Management - Installments
in
Card Credit Risk Management within Consumer and Community Banking , you will directly own the risk policy strategy and decision framework supporting Chase installment programs, ensuring strong performance, customer experience, and disciplined risk governance.
You will lead the development and optimization of eligibility rules, segmentation strategies, and credit decision policies using data-driven insights and advanced analytics. You will collaborate closely with product, design, technology, finance, and execution teams to integrate solutions into production, monitor results, and continuously improve. You will also build and lead a team of analysts, fostering strong talent development and a “work smart first, hard second” culture.
Job Responsibilities
Own
end-to-end risk policy and credit decision framework for Chase installment programs, including eligibility rules and segmentation.
Lead
strategic analytics to evaluate program performance and drive improvements across loss outcomes, profitability, and customer experience.
Develop
and optimize data-driven risk strategies aligned to the broader card credit risk decision framework and program objectives.
Partner
with product, design, technology, finance, and business teams to translate risk strategies into scalable program features and rules.
Drive
enhancements to the decision framework by identifying opportunities through performance insights, test-and-learn approaches, and segmentation analysis.
Communicate
performance results, emerging trends, and forward-looking expectations to stakeholders and senior leadership with clear, fact-based narratives.
Collaborate
with execution teams to implement policy changes, validate decision quality, and monitor post-implementation performance.
Establish
robust controls, monitoring, and governance routines to manage operational risk and ensure processes execute as designed.
Perform
root-cause analysis on performance trends and control gaps, then recommend and implement corrective actions.
Mentor
and develop junior analysts, elevating technical rigor, business judgment, and problem-solving capabilities across the team.
Contribute
to the broader JPMorganChase risk culture through leadership, partnership, and continuous improvement mindset.
Required Qualifications, Capabilities, and Skills
7+ years of experience
solving complex problems at scale, preferably in credit risk management, finance, or a closely related field.
Demonstrated ability to
lead teams with direct reports , including coaching, performance management, and talent development.
Proven ability to
influence senior stakeholders
through concise, fact-based written and verbal communications.
Strong ability to
anticipate risks and issues , proactively escalating and resolving challenges that impact performance or delivery.
Strong understanding of
consumer finance P&L
and profit drivers, with the ability to link risk policy decisions to financial outcomes.
Experience developing, optimizing, and governing
credit decision frameworks , including segmentation and eligibility strategy.
Ability to
partner cross-functionally
with product, technology, finance, and business teams to deliver solutions into production.
Strong analytical mindset with demonstrated ability to translate data into actionable policy and business recommendations.
Proficiency with
Microsoft Office
(Excel, PowerPoint, Word) for analysis, storytelling, and executive-ready communication.
Working proficiency in
SQL
to extract, manipulate, and analyze large datasets.
Experience using
SAS
and/or
Tableau
to perform analysis and develop monitoring/reporting views.
Preferred Qualifications, Capabilities, and Skills
Prior experience in
card installment lending
or related revolving credit installment features (e.g., pay-over-time, balance conversion, loan-on-card).
Deep expertise in
credit risk management
for consumer credit cards, including policy strategy and performance monitoring.
Strong
people management
track record, including building high-performing teams and developing future leaders.
Exceptional
executive communication
skills, with comfort presenting complex analytics to non-technical audiences.
Demonstrated strength in
data analytics and segmentation
methods used for risk policy optimization.
Strong, practical understanding of
end-to-end execution , including controls, governance, and operational risk management.
Experience driving improvements that measurably impact
profitability, loss performance, and customer experience .
#J-18808-Ljbffr