Strategic Analytics [Multiple Positions Available]

DESCRIPTION:

Duties: Collect, organize, interpret, and summarize numerical data from multiple sources to develop risk strategy. Coordinate loan and pay overtime strategies as well as portfolio analytics. Conduct risk analysis to generate recommendations. Build and optimize risk strategies. Collaborate with partners to implement strategies, ensure operational controls, and monitor performance. Report analytical strategy recommendations to senior management. Partner with execution team to implement, validate, and monitor the strategy quality and performance. Ensure control and governance to manage operational risk. Create documentation and audit controls surrounding strategies.

QUALIFICATIONS:

Minimum education and experience required: Master's degree in Financial Risk Management, Mathematics, Statistics, Economics, Finance, Engineering or related field of study plus 5 years of experience in the job offered or as Strategic Analytics, Portfolio Officer, Credit Analyst, Marketing Analytics or related occupation. The employer will alternatively accept a PhD in Financial Risk Management, Mathematics, Statistics, Economics, Finance, Engineering or related field of study plus 3 years of experience in the job offered or as Strategic Analytics, Portfolio Officer, Credit Analyst, Marketing Analytics or related occupation.

Skills Required: This position requires three (3) years of experience with the following: Applying credit risk analysis, including credit scoring models and risk assessment techniques; Pulling and analyzing credit and lending related data using tools such as SAS, SQL, or Python and extracting actionable insights on opportunities and performance; Managing credit card portfolios in the financial services industry; Analyzing regulatory requirements and compliance related to credit risk; Designing and implementing risk management strategies; Gathering and analyzing historical credit performance data including repayment behavior, delinquency trends, utilization levels, credit scores, repayment consistency and portfolio charge off rates, to identify patterns that predict risk using tools such as SAS, SQL, or Tableau; Collecting macroeconomic indicators that affect credit risk such as unemployment rates, GDP growth, or inflation; Performing statistical analysis of portfolio variables such as balance distributions, utilization levels and credit scores to identify central tendencies, variability and outliers that may indicate emerging risk; Using frequency distributions and time series plots to identify borrower segments exhibiting disproportionate risk; Analyzing the correlation between borrower credit scores and default rates to identify relationships; Designing visual dashboards and charts such as histograms, scatter plots, or heat maps to highlight risk insights, identify risky customer segments, and reveal correlations between key credit card attributes such as payment rates, utilization levels, or cash buffers, as well as emerging stress within the portfolio; Preparing reports summarizing analysis, conclusions, and recommendations for risk management; Analyzing credit card portfolios to assess risk levels across different segments; Using structured analytics to analyze data on cardholder behavior, transaction patterns, payment history, and credit scores; Developing profiles for each segment of a credit card porfolio, highlighting characteristics and behaviors associated with increased risk; Designing targeted interventions for high-risk segments, such as personalized communication strategies, credit limit adjustments, or offering financial counseling services; Building dynamic dashboards with automated data refreshes enabling proactive and real time monitoring of credit risk metrics to support early detection of credit deteriorations.

Job Location: 301 N Walnut Street, Wilmington, DE, 19801.

Full-Time.

JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world’s most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.

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.

JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans

Our professionals in our Corporate Functions cover a diverse range of areas from finance and risk to human resources and marketing. Our corporate teams are an essential part of our company, ensuring that we’re setting our businesses, clients, customers and employees up for success.