Senior Associate for Card Credit Risk Management - Installments

Job Summary

As a/an Senior Associate in Card Credit Risk Management - Installments in Card Credit Risk Management within Consumer and Community Banking, you will support the development of portfolio risk policies for Buy Now Pay Later and installment lending programs, including Chase Pay Over Time at Point of Sale, Chase Pay Over Time After Purchase, My Chase Loan, and new programs in development or Proof-of-Concept stages.

You will apply statistical and analytical techniques to large datasets, design and evaluate strategies in a disciplined Test vs. Control environment, and translate complex findings into clear recommendations for senior leaders. You will also work closely with cross-functional partners to ensure strategies are implemented successfully and perform as intended.

Job Responsibilities

• Develop risk strategies for installment and BNPL programs by leveraging large datasets and advanced analytics.
• Apply statistical and quantitative methods to collect, organize, interpret, and summarize data from multiple sources.
• Analyze customer and portfolio performance to identify opportunities to improve profitability, losses, customer experience, and execution quality.
• Design test-and-learn experiments using Test vs. Control methodology to evaluate strategy impact.
• Implement new strategies by partnering with IT, Operations, and other Credit Risk teams to translate analytics into executable requirements.
• Track and monitor strategy performance post-implementation to ensure outcomes align with expectations.
• Report results and insights through concise, executive-ready materials and clear storytelling.
• Validate analytical conclusions through disciplined checks, sensitivity testing, and structured problem-solving approaches.
• Identify enhancements to existing strategies and recommend changes supported by rigorous analysis.
• Support governance routines by documenting assumptions, methodologies, and results to enable strong decision-making.
• Collaborate across teams to drive continuous improvement of risk management processes, tools, and technology enablement.

Required Qualifications, Capabilities, and Skills

• Bachelor’s degree in a quantitative discipline (Finance, Statistics, Economics, Mathematics, Operations Research) or equivalent work/training; Master’s degree a plus.
• 4+ years of experience in Credit Risk Management and/or Marketing Analytics within the financial industry, preferably credit cards.
• Demonstrated ability to build, evaluate, and optimize strategies using quantitative and statistical techniques.
• Strong proficiency in SAS and/or SQL with experience working with large, complex datasets (excellent SAS or SQL skills required).
• Strong understanding of P&L drivers and how strategy decisions impact profitability and risk outcomes.
• Ability to structure analyses logically with strong analytical, interpretive, and problem-solving skills.
• Ability to translate complex analysis into concise presentations with clear business conclusions for senior management.
• Excellent written and verbal communication skills, including the ability to explain technical findings to non-technical stakeholders.
• Proficiency with Microsoft Office (Excel and PowerPoint) for analysis and communication.
• Experience using Tableau (or similar BI tools) to visualize performance and communicate insights.
• Strong collaboration skills and ability to work effectively with cross-functional partners (e.g., IT, Operations, Credit Risk).

Preferred Qualifications, Capabilities, and Skills

• Experience supporting or managing credit strategies for installment lending, BNPL, or pay-over-time products.
• Strong written and verbal communication skills, with comfort presenting findings to varied stakeholder groups.
• Credit risk management experience specifically within consumer card portfolios.
• Strong, practical understanding of profit drivers and tradeoffs across loss, growth, and customer experience.
• Demonstrated strength in data analytics and segmentation approaches for strategy development.
• Experience operating in a controlled experimentation environment (A/B testing, champion/challenger, test-control).
• Familiarity with end-to-end implementation processes and partnering with technology teams to deliver production changes.

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

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.