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.

Job Responsibilities:

Own and drive risk initiatives for balance transfer, portfolio marketing eligibility, and portfolio pricing strategiesOversee eligibility rules, strategy segmentations, and financial assessments to ensure robust risk managementDevelop and apply advanced statistical and mathematical models using SAS and SQL to analyze complex data setsIdentify and implement enhancements to existing strategies to improve financial performance and customer experienceDesign, execute, and monitor Test vs. Control experiments to validate new strategies and ensure sound decision-makingCommunicate analytical findings and strategic recommendations effectively to senior management and stakeholdersPartner with business, execution, and technology teams to implement, validate, and monitor strategy performanceEnsure strong governance, documentation, and audit controls for all portfolio lending strategiesDevelop and maintain comprehensive process controls, performing root cause analysis and recommending resolutionsMentor and lead junior analysts, fostering innovation and analytical excellenceManage multiple projects simultaneously in a fast-paced, evolving environment

Required Qualifications, Capabilities, and Skills:

Minimum 5+ years of risk management or financial services experienceBachelor’s degree in Statistics, Economics, Finance, or a related quantitative disciplineAdvanced proficiency in SAS and SQL for data analysis and strategy developmentStrong statistical analysis and quantitative modeling skillsExcellent written and verbal communication skills, with experience presenting to senior managementProven ability to partner across functions and make independent decisionsHigh attention to detail and results orientation, with demonstrated project leadershipStrong understanding of financial procedures, principles, and consumer lendingCreative thinker with disciplined analytic and problem-solving skillsFlexible and able to manage multiple priorities in a dynamic environmentCommitment to robust controls, governance, and process documentation

Preferred Qualifications, Capabilities, and Skills:

Advanced degree (Master’s or PhD) in Mathematics, Statistics, Economics, Finance, or a related quantitative fieldExperience designing and executing Test vs. Control experiments in a financial services contextDemonstrated success in developing and optimizing credit risk strategies for consumer lending portfoliosExperience with portfolio pricing and marketing eligibility strategiesStrong mentoring and leadership skills, with a track record of developing junior talentFamiliarity with operational risk management and audit processesAbility to drive innovation and continuous improvement in risk strategy development