Help build and scale the next generation of digital-first lending at JPMorgan Chase. In this role, you'll directly own and optimize risk strategies that balance growth, customer experience, and sound risk management. You'll use advanced analytics to uncover insights, influence strategy, and deliver measurable business outcomes. If you enjoy solving ambiguous problems and partnering across teams to ship real solutions, this role offers high visibility and impact.

As a Connected Commerce Alternate Lending Risk Associate in Connected Commerce Alternate Lending Risk Strategy, you lead strategy development and ongoing optimization for unsecured installment lending products, including Chase Pay in 4.
You will own key elements of segmentation, targeting, and performance monitoring, applying quantitative analysis to improve profitability, credit outcomes, and customer experience. You'll also partner with technical and business stakeholders to translate analytical insights into rules, automation, controls, and scalable execution-while supporting regulatory and policy alignment.

Job Responsibilities:

• Develop unsecured installment lending risk strategies using quantitative analysis (e.g., SAS, SQL) to improve performance, customer experience, and execution quality
• Analyze portfolio performance to identify trends, risks, and opportunities across segments, channels, and strategies
• Design segmentation and targeting approaches to optimize approvals, losses, customer outcomes, and profitability
• Create forward-looking analytics and recommendations to address business issues and anticipate emerging risks
• Forecast impacts of strategy and mix changes; guide business partners through adjustments based on expected outcomes
• Translate strategy intent into clear requirements for rules engines and automated decisioning; partner with technical teams on implementation
• Build monitoring and reporting to track strategy health, segment performance, and operational execution
• Maintain comprehensive controls to ensure processes execute as designed and comply with internal standards
• Investigate anomalies and performance changes; perform root-cause analysis and implement corrective actions
• Prepare written presentations and communicate insights, findings, and recommendations to senior leaders
• Support adherence to regulations and alignment with Risk Policy and established procedures

Required Qualifications, Capabilities, and Skills:

• Minimum 3 years of experience in risk management and/or financial services (credit risk, lending, analytics, strategy, or related)
• Bachelor's degree in a quantitative discipline (e.g., Statistics, Economics, Finance or similar) or equivalent practical experience
• Hands-on experience using SAS and/or SQL for data extraction, analysis, and performance monitoring (other languages considered)
• Strong proficiency in Excel and ability to synthesize results into clear, decision-ready insights (Tableau experience a plus)
• Demonstrated ability to independently structure ambiguous problems and produce forward-looking, actionable solutions
• Proven experience performing quantitative performance analysis (segmentation, targeting, trend analysis, monitoring, forecasting)
• Strong written communication skills, including creating executive-ready presentations and documentation
• Strong verbal communication skills, including presenting findings and recommendations to senior management
• High attention to detail with a track record of strong execution, ownership, and follow-through
• Ability to partner cross-functionally with technical, product, operations, and compliance stakeholders
• Sound judgment, curiosity, and a disciplined analytic approach to decision-making

Preferred Qualifications, Capabilities, and Skills:

• Experience supporting unsecured consumer lending products (installment, card, or digital lending)
• Familiarity with rules engines, automated decisioning, and strategy implementation in production environments
• Understanding of consumer banking financial fundamentals (profitability drivers, losses, unit economics, segment mix)
• Experience building and managing controls, monitoring frameworks, and/or issue management routines
• Exposure to risk governance, regulatory considerations, and policy adherence in a lending context
• Experience with Tableau (or similar BI tools) to deliver scalable performance dashboards
• Demonstrated ability to drive improvements that measurably impact risk outcomes and profitability

ABOUT US

Chase is a leading financial services firm, helping nearly half of America's households and small businesses achieve their financial goals through a broad range of financial products. Our mission is to create engaged, lifelong relationships and put our customers at the heart of everything we do. We also help small businesses, nonprofits and cities grow, delivering solutions to solve all their financial needs.

We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.

We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.

Equal Opportunity Employer/Disability/Veterans:

ABOUT THE TEAM

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.

Risk Management helps the firm understand, manage and anticipate risks in a constantly changing environment. The work covers areas such as evaluating country-specific risk, understanding regulatory changes and determining credit worthiness. Risk Management provides independent oversight and maintains an effective control environment.