Strategic Analytics - Card Portfolio Risk - Sr. Associate

About the Role

As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities. You will lead analytics to develop and optimize Authorization Risk Management strategies, policies, practices, and controls for Business Cards to bring innovative new capabilities to our customers. You will ensure these strategies drive strong financial performance, achieve loss mitigation objectives, and enable strong risk controls while meeting regularly with stakeholders across Risk, Finance, and Product Business Units.

Responsibilities

• Conduct complex analysis including data collection, analysis, visualization, and presentation of results to partners and management.
• Develop portfolio analytics using internal and external data along with competitive and macro-economic trends.
• Manage and optimize maximum allowable exposure at the customer level, ensuring decisions are optimized by meeting strategy constraints.
• Own card income strategies to ensure the best available income is used across account management strategies.
• Support formulation of risk strategy and product roadmap by partnering with and influencing cross-functional teams.
• Manage risk strategies to drive financial performance and risk mitigation improvements while innovating for optimal strategy performance.
• Work closely with Risk Governance, Legal, and Compliance to ensure policies comply with laws and regulations.
• Collaborate with the execution team to implement, validate, and monitor strategy quality and performance, ensuring robust control and governance to manage operational risk.
• Understand data and find innovative solutions to complex business problems to drive healthy business growth with a full-cycle view of loss and profitability.
• Spearhead best-in-class documentation and audit controls surrounding strategies.

Requirements

• Bachelor’s degree in a quantitative discipline from an accredited college/university; Master’s degree preferred.
• Minimum 3 years of analytics experience, preferably in financial services or consulting.
• Strong analytical, interpretive, and problem-solving skills to logically structure analyses.
• Ability to translate complex analysis into concise presentations with clear recommendations and action items.
• Strong project management skills and attention to detail to deliver new strategies with a focus on testing and tracking.
• Excellent communication and interpersonal skills.
• Proficiency in SAS, SQL, Python, Excel, Microsoft PowerPoint, and Tableau.

Benefits

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

Pay

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.

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. Risk Management helps the firm understand, manage, and anticipate risks in a constantly changing environment, covering 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.