As the Managing Director, Senior Credit Strategy Officer, Chase Auto, you will report directly to the CFO of Auto and responsible for building, managing and overseeing the newly created 1st line credit function for the Auto organization.  You will report functionally to the Head of CCB Strategy.

You will play a key role in managing credit risk, ensuring sound lending decisions, and maintaining portfolio health. Additionally, you will assess high-value credit exposures, develop risk management strategies, and shape credit policies to align with the bank’s financial goals. This role requires deep analytical expertise, regulatory knowledge, and collaboration with internal teams to balance risk and growth. The Senior Credit Strategy Officer will also provide leadership in decision-making for complex transactions, ensuring compliance with industry standards and internal controls.

Job Responsibilities: 

Credit Strategy Assessment: Evaluate and approve credit exposures for commercial or consumer lending, ensuring alignment with risk appetite and policies. Portfolio Management: Monitor loan portfolios, identify potential risks, and develop strategies to mitigate them. Policy & Strategy Development: Help shape credit policies, underwriting standards, and risk management frameworks. Regulatory Compliance: Ensure adherence to banking regulations and internal controls related to credit risk. Stakeholder Collaboration: Work with teams across business lines (e.g., risk, underwriting, legal, finance) to balance growth and risk. Decision-Making Authority: Provide approvals or recommendations for complex and high-value credit transactions.

Required qualifications, skills and capabilities:

A Bachelor’s Degree in finance, business administration, or a related field is required. 15+ 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 Deep knowledge of banking regulations and ensuring adherence Strong judgment in approving or recommending credit transactions 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 Exceptional people leadership, relationship development and negotiating skills; ability to earn respect and trust among internal and external business partners and team members 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 A high level of personal initiative, setting and achieving challenging goals, and demonstrating entrepreneurial leadership Excellent analytical skills with the ability to leverage data and anecdotal feedback to structure complex problems and make decisions Demonstrated career of successful program implementations