Card Portfolio Credit Risk Strategy – Balance Transfer and Pricing, Vice President

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 our FAQs for 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.