Credit Risk Senior Associate- Card Consumer Acquisitions

Chase Card Services is the leading credit card issuer in the U.S. With over $1 trillion in sales volume we have been #1 in the industry since 2017. We have also been #1 in outstandings (loans) for more than 10 years and lead in top-of-wallet market share. We serve more than 50 million active accounts across our Chase Branded Cards business which includes the Sapphire Freedom Slate consumer credit cards and Ink small business portfolio and our Co-Brand Card business.

As a Card Risk Strategy Associate in the Card Credit Decisioning Unit you will lead efforts to expand our credit card portfolio by developing innovative strategies for mass near prime and new to credit segments. You will collaborate with internal teams to ensure sound lending decisions that align with our financial goals and risk appetite. Your work will be pivotal in managing risk-taking activities for card originations ensuring we continue to grow responsibly. You will play a key role in defining the risk appetite for Card acquisitions managing credit risk ensuring sound lending decisions that balance value creation and prudent risk management.

Job Responsibilities:

• Define the Credit Box in partnership with Product GMs Finance and the second line of defense Credit Risk team
• Lead alignment with Product Finance and Risk to define and execute on strategies to achieve credit goals
• Partner closely with product and risk teams in assessing new credit opportunities. Define an execution plan for new credit opportunities
• Set up reviews and processes to ensure we are executing well on our credit box assumptions
• Partner with risk strategies in defining variables that would be included in new credit models and interface with the modeling team on the acquisitions modeling suite and roadmap
• Develop and implement metrics to track acquisitions performance. Lead the report outs for performance monitoring to senior leadership
• Help shape credit policies underwriting standards and risk management frameworks
• Ensure adherence to banking regulations and internal controls related to credit risk
• Work with teams across business lines (e.g. risk underwriting legal finance) to balance growth and risk

• Provide approvals or recommendations for complex acquisitions related credit transactions

Required qualifications skills and capabilities:

• A Bachelors degree or higher in a quantitative discipline (ex: Finance Statistics Economics Mathematics Operations Research among others)
• 5 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
• Demonstrated strategic thinking and execution skills; insight and ability to proactively identify opportunities to innovate and improve the business
• Proven experience in collaborating across teams and lines of business within large organizations
• Strong proficiency with executive-level presentation materials and briefings and the ability to simplify complex subject matter into digestible executive communications
• Excellent analytical skills with the ability to leverage data and anecdotal feedback to structure complex problems and make decisions
• Previous experience with either SAS SQL Python or Tableau analytic tools (other coding languages would be considered)