Chase Card SMB Acquisitions - Credit Strategy - Associate

About the role

As an Associate in Card Acquisitions Risk SMB Strategy, you will directly engage and influence acquisitions risk strategies in the newly created 1st line credit function within the Card Credit Decisioning Unit (CDU). You will play a key role in defining the risk appetite for Small Business within Card acquisitions, managing credit risk, and ensuring sound lending decisions that balance value creation and prudent risk management. Additionally, you will develop risk management strategies in partnership with the Credit Risk organization and shape underwriting policies to align with the bank's financial goals. This includes management of risk-taking activities for card originations from approve/decline to credit line assignment for the business card portfolios within Card's ~10 million new accounts annually. This role requires analytical curiosity, experience with complex data, and a detail-oriented mindset.

Responsibilities

• Evaluate the Credit Box in partnership with SMB Acquisitions Lead, Product GMs, Finance, and the second line of defense Credit Risk team.
• Directly engage in assessing new expansion opportunities and execute against approved opportunities.
• Set up reviews and processes to ensure execution aligns with credit assumptions.
• Partner with risk strategies in defining variables for new credit models and interface with the modeling team on the modeling suite and roadmap.
• Develop and implement metrics to track performance.
• Maintain a strong regulatory and controls environment.
• Collaborate across stakeholders in business lines (e.g., risk, underwriting, legal, finance) to balance growth and risk.

Requirements

• A Bachelor's Degree in finance, business administration, or a related field is required.
• 2+ years of relevant experience in direct-to-consumer lending, originations, and/or retail credit experience at a complex, large-scale financial services business.
• Ability to evaluate and manage credit risk effectively.
• Exceptional quantitative and qualitative finance and analytical skills.
• Must be authorized to work for any employer in the U.S. (No immigration sponsorship or visa transfers provided at this time).

Benefits

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. Benefits include:

• Comprehensive health care coverage.
• On-site health and wellness centers.
• A retirement savings plan.
• Backup childcare.
• Tuition reimbursement.
• Mental health support and financial coaching.

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.

About The Team

Our Consumer & Community Banking division serves 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.