Card Portfolio Credit Risk Strategy – Balance Transfer and Pricing, Vice President

Job Description

Join a high-impact team shaping the future of credit card portfolio management at JPMorgan Chase. As a Vice President in the Lending and Balance Transfer team, you will directly influence strategic decisions that drive financial performance and customer experience. Collaborate with talented professionals, leverage advanced analytics, and present your insights to senior leadership. This is your opportunity to lead innovative risk strategies in a dynamic, fast‑paced environment.

Make your mark by delivering creative solutions and mentoring the next generation of analytics talent.

As a Vice President in the Lending and Balance Transfer team within the Portfolio Credit Risk Strategy group, you will have direct ownership and accountability for a defined group of portfolio risk strategies. You will focus on managing credit losses and profitability through balance transfer and new lending initiatives, portfolio pricing, and marketing eligibility. This role offers the opportunity to optimize segmentation, targeting, performance, and decision profitability, while collaborating with cross‑functional partners and presenting to senior management.

• Own and drive risk initiatives for balance transfer, portfolio marketing eligibility, and portfolio pricing strategies
• Oversee eligibility rules, strategy segmentations, and financial assessments to ensure robust risk management
• Develop and apply advanced statistical and mathematical models using SAS and SQL to analyze complex data sets
• Identify and implement enhancements to existing strategies to improve financial performance and customer experience
• Design, execute, and monitor Test vs. Control experiments to validate new strategies and ensure sound decision‑making
• Communicate analytical findings and strategic recommendations effectively to senior management and stakeholders
• Partner with business, execution, and technology teams to implement, validate, and monitor strategy performance
• Ensure strong governance, documentation, and audit controls for all portfolio lending strategies
• Develop and maintain comprehensive process controls, performing root‑cause analysis and recommending resolutions
• Mentor and lead junior analysts, fostering innovation and analytical excellence
• Manage multiple projects simultaneously in a fast‑paced, evolving environment

• Minimum 5+ years of risk management or financial services experience
• Bachelor’s degree in Statistics, Economics, Finance, or a related quantitative discipline
• Advanced proficiency in SAS and SQL for data analysis and strategy development
• Strong statistical analysis and quantitative modeling skills
• Excellent written and verbal communication skills, with experience presenting to senior management
• Proven ability to partner across functions and make independent decisions
• High attention to detail and results orientation, with demonstrated project leadership
• Strong understanding of financial procedures, principles, and consumer lending
• Creative thinker with disciplined analytic and problem‑solving skills
• Flexible and able to manage multiple priorities in a dynamic environment
• Commitment to robust controls, governance, and process documentation

• Advanced degree (Master’s or PhD) in Mathematics, Statistics, Economics, Finance, or a related quantitative field
• Experience designing and executing Test vs. Control experiments in a financial services context
• Demonstrated success in developing and optimizing credit risk strategies for consumer lending portfolios
• Experience with portfolio pricing and marketing eligibility strategies
• Strong mentoring and leadership skills, with a track record of developing junior talent
• Familiarity with operational risk management and audit processes
• Ability to drive innovation and continuous improvement in risk strategy development

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…