Credit Strategy Chase Auto Senior Associate

Bring your expertise to JPMorganChase where youll collaborate across business lines - including Risk Underwriting Finance and Legal - to drive consistent application of risk standards strengthen credit governance practices and support sound credit decision-making.

As a Credit Strategy Senior Associate within the Chase Auto Credit Decisioning Unit youll work closely with credit leadership to analyze consumer credit performance support strategic initiatives and contribute to portfolio risk management. Reporting to the Credit Strategy leadership team youll apply your analytical strength and business judgment to monitor portfolio trends recommend improvements and help translate strategy into action.

Job responsibilities

• Conduct credit analysis and portfolio performance monitoring to identify risk trends metrics shifts and early warning indicators.
• Support development and maintenance of underwriting guidelines policy documentation and risk frameworks aligned with risk appetite and business priorities.
• Prepare data-driven insights reports and presentations for credit leadership and cross-functional partners.
• Assist in evaluating credit exposures and recommending risk mitigation actions for complex credit scenarios in alignment with established policies.
• Partner with Risk Underwriting and Finance teams to help operationalize credit strategy and enhance decisioning processes.
• Contribute to special projects related to credit strategy portfolio optimization and risk governance enhancements.
• Mentor and support less-experienced analysts through knowledge sharing and coaching.

Required Qualifications Capabilities and Skills

• Bachelors degree in finance economics business data analytics or a related discipline.
• Minimum 3 years of relevant experience in consumer credit credit risk portfolio analytics underwriting or related functions at a large financial institution or credit analytics organization.
• Strong analytical mindset with demonstrated ability to interpret data identify trends and draw actionable conclusions.
• Understanding of consumer credit products credit risk concepts and portfolio performance drivers.
• Proficiency in quantitative tools (e.g. Excel SQL analytical visualization tools such as Tableau Power BI or similar).
• Excellent written and verbal communication skills with the ability to articulate findings and recommendations clearly to business partners.
• Collaborative mindset and ability to work effectively across teams in a fast-paced environment.
• Curiosity and eagerness to learn credit strategy risk models and frameworks and industry best practices.