Our Consumer & Community Banking division serves our Chase customers through a range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. We’re proud to lead the U.S. in credit card sales and deposit growth and have the most-used digital solutions – all while ranking first in customer satisfaction. Chase offers a broad array of credit cards to meet the needs of individuals and small businesses, including Chase-branded and co-branded cards in partnership with well-known companies and organizations.

As a Vice President in the Card Credit Decisioning Unit, you will be responsible for developing, managing, and overseeing the newly created 1st line credit function for Affluent Card Acquisitions. You will play a key role in defining the risk appetite for Affluent Card acquisitions, managing credit risk, and ensuring sound lending decisions that balance value creation with prudent risk management. Additionally, you will develop risk management strategies in partnership with the Credit Risk organization and shape underwriting policies to align with the bank’s financial goals. This includes managing risk-taking activities for card originations, from approve/decline decisions to credit line assignments, for the Affluent portfolios within Card’s approximately 10 million new accounts annually.

Job Responsibilities: 

Define the Credit Box in partnership with Product GM’s, Finance, and the second line of defense Credit Risk team. Set up reviews and processes to ensure we are executing well on our credit box assumptions.Lead alignment with Product and Finance and Risk to define and execute on strategies to achieve credit goals.Partner closely with product and risk teams in assessing new credit opportunities. Define an execution plan for new credit opportunities.Partner with risk strategies in defining variables that would be included in new credit models and interface with the modeling team on the acquisitions modeling suite and roadmap.Recruit and develop high performing talent to staff the acquisitions credit decisioning unit.Develop and implement metrics to track acquisitions performance. Lead the report outs for performance monitoring  to senior leadership.Help shape credit policies, underwriting standards, and risk management frameworks.Ensure adherence to banking regulations and internal controls related to credit risk.Work with teams across business lines (e.g., risk, underwriting, legal, finance) to balance growth and risk.Provide approvals or recommendations for complex acquisitions related credit transactions.

Required qualifications, skills and capabilities:

A Bachelor’s Degree in finance, business administration, or a related field is required7+ years of relevant experience in direct to consumer lending, originations, and/or retail credit experience at a complex large-scale financial services businessAbility to evaluate and manage credit risk effectivelyDeep knowledge of banking regulations and ensuring adherenceStrong judgment in approving or recommending credit transactionsExceptional quantitative and qualitative finance and analytical skills with the ability to leverage data and anecdotal feedback to structure complex problems and make decisionsDemonstrated strategic thinking and execution skills; insight and ability to proactively identify opportunities to innovate and improve the businessExceptional people leadership, relationship development and negotiating skills; ability to earn respect and trust among internal and external business partners and team membersProven experience in collaborating across teams and lines of business within large organizationsStrong proficiency with executive-level presentation materials and briefings, and the ability to simplify complex subject matter into digestible executive communications

Preferred qualifications, skills and capabilities:

Demonstrated career of successful program implementationsA high level of personal initiative, setting and achieving challenging goals, and demonstrating entrepreneurial leadership