Card Acquisitions Risk Vice President- T&E Cobrand

Bring your expertise to JPMorganChase and help shape the future of risk management in a world-class organization. As part of Risk Management and Compliance youll be at the center of keeping the firm strong and resilientusing expert judgment and analytics to help govern risk-taking activities that impact our customers and communities. Our culture is built on innovation challenging the status quo and striving to be best-in-class. Join a team that values outside-the-box thinking and empowers you to drive meaningful change by developing strategies that balance growth risk mitigation and customer experience.

As a Vice President Acquisition Risk Management Consumer Card (T&E Co-Brand) you will provide independent risk oversight for new account originations across our retail co-brand partnerships. You will set and maintain acquisition risk frameworks review and challenge underwriting/decisioning strategies and influence key decisions through governance routines and data-driven insights. You will partner closely with Card Product Marketing Finance Analytics Lending and Technology teamsand engage with Governance Legal and Complianceto ensure strategies are well-controlled compliant and aligned to risk appetite.

Job Responsibilities

• Provide independent oversight (2LOD) of acquisition risk decisioning for retail co-brand consumer card originations
• Perform review and effective challenge of first-line proposals (policy/strategy changes test plans model/score usage segmentation offer/channel changes) ensuring risks are identified quantified and mitigated
• Establish and monitor KRIs / early warning indicators approval and loss metrics and policy adherence; escalate emerging issues as needed
• Partner with Governance Legal and Compliance to ensure strategies meet regulatory and internal policy requirements (including fair lending considerations and documentation expectations)
• Support governance forums (approvals periodic reviews audits/exams) including preparing materials documenting decisions and tracking action items to closure
• Drive cross-functional alignment by communicating risk/return tradeoffs and recommending compensating controls or alternative approaches
• Conduct deep-dive analytics (e.g. segmentation vintage/performance monitoring funnel diagnostics champion/challenger attribution impacts) and deliver clear actionable recommendations
• Partner with Technology and Decision Management teams to implement strategies in decisioning platforms ensuring strong testing documentation and change
• Contribute to continuous improvement of acquisition risk processes monitoring and reporting; mentor junior team members as applicable

Required Qualifications Capabilities and Skills

• Bachelors degree in a quantitative discipline (e.g. Economics Statistics Math Engineering Computer Science)
• Minimum 6 years of experience in consumer lending / credit risk
• Strong understanding of consumer credit laws and regulations relevant to underwriting/decisioning and risk governance
• Strong analytics experience using SQL and/or SAS to independently assess strategy performance and risk outcomes
• Demonstrated ability to operate in a governance and oversight capacity (risk frameworks controls monitoring documentation)
• Proven ability to influence senior stakeholders through clear communication structured thinking and data-driven recommendations
• Strong project management skills; ability to manage multiple priorities and deliver under tight timelines

Preferred Qualifications Capabilities and Skills

• Masters degree in a quantitative field or related discipline
• Strong analytics experience. Pythin a plus
• Experience overseeing consumer card acquisition strategies preferably in co-brand and/or partner/channel-driven acquisition models
• Familiarity with decisioning ecosystems (rules engines underwriting platforms) and strategy change management controls
• Experience supporting audit exam and regulatory interactions; comfort with creating durable documentation and evidence trails
• Track record of driving process improvement in risk monitoring reporting and governance routines