Bulge Bracket Investment Banks

Posted 13 days ago

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**Job Title:** VP, Risk Management - Strategic Analytics transparently manage risk for JPMorgan Chase's consumer card acquisitions, particularly retail co-brands. Key responsibilities include independent risk oversight, challenging first-line decisions, establishing key risk indicators, and ensuring regulatory compliance. Leverage SQL, SAS (Python a plus) for data-driven risk assessments and influence key stakeholders. Minimum six years of experience in consumer lending, with a focus on risk and a degree in a quantitative field.

Compensation: Not specified
City: Not specified
Country: United States

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Location: Wilmington, DE, United States

Job Description

Bring your expertise to JPMorganChase and help shape the future of risk management in a world-class organization. As part of Risk Management and Compliance, youll be at the center of keeping the firm strong and resilientusing expert judgment and analytics to help govern risk-taking activities that impact our customers and communities. Our culture is built on innovation, challenging the status quo, and striving to be best-in-class. Join a team that values outside-the-box thinking and empowers you to drive meaningful change by developing strategies that balance growth, risk mitigation, and customer experience.

As a Vice President, Acquisition Risk Management Consumer Card (Retail Co-Brand), you will provide independent risk oversight for new account originations across our retail co-brand partnerships. You will set and maintain acquisition risk frameworks, review and challenge underwriting/decisioning strategies, and influence key decisions through governance routines and data-driven insights. You will partner closely with Card Product, Marketing, Finance, Analytics, Lending, and Technology teamsand engage with Governance, Legal, and Complianceto ensure strategies are well-controlled, compliant, and aligned to risk appetite.

Job Responsibilities

Provide independent oversight (2LOD) of acquisition risk decisioning for retail co-brand consumer card originations

Perform review and effective challenge of first-line proposals (policy/strategy changes, test plans, model/score usage, segmentation, offer/channel changes), ensuring risks are identified, quantified, and mitigated

Establish and monitor KRIs / early warning indicators, approval and loss metrics, and policy adherence; escalate emerging issues as needed

Partner with Governance, Legal, and Compliance to ensure strategies meet regulatory and internal policy requirements (including fair lending considerations and documentation expectations)

Support governance forums (approvals, periodic reviews, audits/exams), including preparing materials, documenting decisions, and tracking action items to closure

Drive cross-functional alignment by communicating risk/return tradeoffs and recommending compensating controls or alternative approaches

Conduct deep-dive analytics (e.g., segmentation, vintage/performance monitoring, funnel diagnostics, champion/challenger, attribution impacts) and deliver clear, actionable recommendations

Partner with Technology and Decision Management teams to implement strategies in decisioning platforms, ensuring strong testing, documentation, and change

Contribute to continuous improvement of acquisition risk processes, monitoring, and reporting; mentor junior team members as applicable

Required Qualifications, Capabilities, and Skills

Bachelors degree in a quantitative discipline (e.g., Economics, Statistics, Math, Engineering, Computer Science)

Minimum 6 years of experience in consumer lending / credit risk

Strong understanding of consumer credit laws and regulations relevant to underwriting/decisioning and risk governance

Strong analytics experience using SQL and/or SAS (Python a plus) to independently assess strategy performance and risk outcomes

Demonstrated ability to operate in a governance and oversight capacity (risk frameworks, controls, monitoring, documentation)

Proven ability to influence senior stakeholders through clear communication, structured thinking, and data-driven recommendations

Strong project management skills; ability to manage multiple priorities and deliver under tight timelines

Preferred Qualifications, Capabilities, and Skills

Masters degree in a quantitative field or related discipline

Experience overseeing consumer card acquisition strategies, preferably in co-brand and/or partner/channel-driven acquisition models

Familiarity with decisioning ecosystems (rules engines, underwriting platforms) and strategy change management controls

Experience supporting audit, exam, and regulatory interactions; comfort with creating durable documentation and evidence trails

Track record of driving process improvement in risk monitoring, reporting, and governance routines

Promote independent risk oversight for new retail co-brand card accounts, shaping acquisition frameworks and challenging strategies to meet limits.

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