Business Card Strategic Analytics - Consumer & Community Banking - Vice President

Job Summary:

Bring your expertise to JPMorgan Chase.

As part of Risk Management and Compliance, you will help the firm grow responsibly by identifying and managing risk while enabling sustainable business growth.

Risk professionals play a critical role in protecting our customers, communities, and the firm through sound judgment, analytical rigor, and innovative thinking.

As a Vice President, Strategic Analytics within Business Card Risk, you will own acquisition credit strategies and underwriting policies for the Business Card portfolio.

You will leverage data, analytics, and risk expertise to develop and optimize decision rules, approval criteria, and risk segmentation strategies that balance growth, profitability, customer experience, and risk outcomes.

You will partner across Product, Finance, Operations, Technology, and Control functions to drive strategy development, implementation, monitoring, and governance while influencing senior leaders through data-driven recommendations.

Job Responsibilities:


* Own Business Card acquisition credit criteria, including underwriting policies, risk segmentation, approval cutoffs, and decision rules.


* Analyze portfolio performance and emerging risk trends to identify opportunities to improve risk-adjusted growth and customer outcomes.


* Develop advanced analytical solutions using SAS, SQL, Python, and visualization tools to evaluate policy performance and tradeoffs.


* Optimize acquisition strategies by balancing approval rates, delinquency/loss outcomes, profitability, and regulatory requirements.


* Translate complex analyses into clear, actionable recommendations for senior leaders and key business partners.


* Partner with Product, Finance, Operations, Technology, Control Management, Compliance, and Fair Lending to design and refine acquisition criteria.


* Lead end-to-end implementation of credit criteria changes, including business requirements, validation testing, and post-implementation reviews.


* Establish monitoring frameworks and reporting to provide timely insights into performance, drift, and emerging risks.


* Maintain robust governance, documentation, and controls across the credit criteria lifecycle to support audit, regulatory, and internal review needs.


* Identify opportunities to enhance underwriting capabilities through new data sources, automation, and process improvements.


* Coach and develop junior analysts while promoting analytical rigor, collaboration, and continuous improvement.

Required Qualifications, Capabilities, and Skills:


* 5+ years of experience in credit risk management, lending strategy, analytics, underwriting, or financial services.


* Strong experience developing and managing credit strategies, underwriting policies, or credit decision frameworks.


* Advanced analytical and problem-solving skills with experience working with large and complex datasets.


* Proficiency in SAS and SQL; experienc...