Bring your Expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class.

As an Executive Director supporting Consumer Card Acquisitions Risk, you will be a visionary leader that will head our Full Application Travel & Entertainment (T&E) Co-brand & Judgmental Lending Oversight team. You will lead a team responsible for managing credit risk criteria for T&E Co-brand card products, supporting business growth while ensuring delinquency and loss performance remain within our risk appetite. You will have deep expertise in credit risk management, product development, and stakeholder engagement. You'll also be responsible for providing oversight for our judgmental lending decisions across acquisitions decisions for all consumer card products.

Job Responsibilities

• Oversee the development and ongoing refinement of credit risk criteria for T&E Co-brand card products, ensuring alignment with business growth objectives and risk appetite.
• Evaluate loss, profitability, and anticipated customer behavior for new products and channels. Provide recommendations to support successful launches and sustainable growth.
• Closely monitor loss and delinquency trends, proactively identifying opportunities for criteria enhancements and risk mitigation.
• Maintain regular meetings with general managers of T&E products to present and discuss approval rates, delinquency performance drivers, and strategic recommendations.
• Serve as a key point of contact for external co-brand partners, sharing insights on application volume, credit quality trends, and upcoming modeling and credit criteria enhancements.
• Monitor the performance of judgmental lending decisions, providing expert guidance and support to ensure optimal outcomes.
• Support ongoing internal and external audits by maintaining robust documentation and controls, ensuring compliance with regulatory and policy requirements.

Required Qualifications, Capabilities and Skills

• Bachelor’s degree required
• Minimum of 10 years of experience in credit risk management
• Strong understanding of consumer lending P&Ls, including loss and profitability drivers of the credit card business
• Proven track record in product development, risk analytics, and stakeholder management.
• Strong analytical, strategic thinking, and problem-solving skills.
• Excellent communication and presentation abilities, with experience engaging senior leaders and external partners.
• Demonstrated ability to lead and develop high-performing teams.
• Experience with audit processes and maintaining strong documentation and controls.