Location: Wilmington, DE, United States

Chase Card Services is the leading credit card issuer in the U.S. With over $1 trillion in sales volume, we have been #1 in the industry since 2017. We have also been #1 in outstandings (loans) for more than 10 years and lead in top-of-wallet market share.  

Job Description:

As a Sr. Associate on the Card Portfolio Risk Strategy team, you will directly engage and influence portfolio risk strategies in the newly created 1st line credit function within the Card Credit Decisioning Unit (CDU).  

You will play a key role in managing the exposure and risk appetite for the Card business.  You will directly engage with the Portfolio Risk Strategy Lead and support the product General Managers (GMs) in identifying trends, remediating risks, and ensuring the continued health of the business.  Additionally, you will develop risk management strategies in partnership with the Credit Risk organization in the second line of defense. This role requires analytical curiosity, experience with complex data, and a detail oriented mind. 

Job Responsibilities: 

• Evaluate the Credit Box in partnership with Portfolio Risk Strategy Lead, Product GM’s, Finance and the second line of defense Credit Risk team
• Directly engage in assessing new expansion opportunities. Execute against approved opportunities 
• Set up reviews and processes to ensure we are executing well on our credit assumptions
• Partner with risk strategies in defining variables that would be included in new credit models and interface with the modeling team on the modeling suite and roadmap
• Develop and implement metrics to track performance
• Maintain a strong regulatory and controls environment 
• Collaborate across stakeholders in business lines (e.g., risk, underwriting, legal, finance) to balance growth and risk

Required qualifications, skills and capabilities:

• A Bachelor’s Degree in finance, business administration, or a related field is required
• 4+ 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; 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
• Proven experience in collaborating across teams and lines of business within large organizations
• Experience with executive-level presentation materials and briefings 
• A high level of personal initiative, setting and achieving challenging goals, and demonstrating entrepreneurial leadership