As an Executive Director in Card Credit Risk Management - Installments in Card Credit Risk Management within Consumer and Community Banking, you will directly own the risk policy strategy and decision framework supporting Chase installment programs, ensuring strong performance, customer experience, and disciplined risk governance.

You will lead the development and optimization of eligibility rules, segmentation strategies, and credit decision policies using data-driven insights and advanced analytics. You will collaborate closely with product, design, technology, finance, and execution teams to integrate solutions into production, monitor results, and continuously improve. You will also build and lead a team of analysts, fostering strong talent development and a “work smart first, hard second” culture.

Job Responsibilities:

• Own end-to-end risk policy and credit decision framework for Chase installment programs, including eligibility rules and segmentation.

• Lead strategic analytics to evaluate program performance and drive improvements across loss outcomes, profitability, and customer experience.

• Develop and optimize data-driven risk strategies aligned to the broader card credit risk decision framework and program objectives.

• Partner with product, design, technology, finance, and business teams to translate risk strategies into scalable program features and rules.

• Drive enhancements to the decision framework by identifying opportunities through performance insights, test-and-learn approaches, and segmentation analysis.

• Communicate performance results, emerging trends, and forward-looking expectations to stakeholders and senior leadership with clear, fact-based narratives.

• Collaborate with execution teams to implement policy changes, validate decision quality, and monitor post-implementation performance.

• Establish robust controls, monitoring, and governance routines to manage operational risk and ensure processes execute as designed.

• Perform root-cause analysis on performance trends and control gaps, then recommend and implement corrective actions.

• Mentor and develop junior analysts, elevating technical rigor, business judgment, and problem-solving capabilities across the team.

• Contribute to the broader JPMorgan Chase risk culture through leadership, partnership, and continuous improvement mindset.

Required Qualifications, Capabilities, and Skills

• 7+ years of experience solving complex problems at scale, preferably in credit risk management, finance, or a closely related field.

• Demonstrated ability to lead teams with direct reports, including coaching, performance management, and talent development.

• Proven ability to influence senior stakeholders through concise, fact-based written and verbal communications.

• Strong ability to anticipate risks and issues, proactively escalating and resolving challenges that impact performance or delivery.

• Strong understanding of consumer finance P&L and profit drivers, with the ability to link risk policy decisions to financial outcomes.

• Experience developing, optimizing, and governing credit decision frameworks, including segmentation and eligibility strategy.

• Ability to partner cross-functionally with product, technology, finance, and business teams to deliver solutions into production.

• Strong analytical mindset with demonstrated ability to translate data into actionable policy and business recommendations.

• Proficiency with Microsoft Office (Excel, PowerPoint, Word) for analysis, storytelling, and executive-ready communication.

• Working proficiency in SQL to extract, manipulate, and analyze large datasets.

• Experience using SAS and/or Tableau to perform analysis and develop monitoring/reporting views.

Preferred Qualifications, Capabilities, and Skills

• Prior experience in card installment lending or related revolving credit installment features (e.g., pay-over-time, balance conversion, loan-on-card).

• Deep expertise in credit risk management for consumer credit cards, including policy strategy and performance monitoring.

• Strong people management track record, including building high-performing teams and developing future leaders.

• Exceptional executive communication skills, with comfort presenting complex analytics to non-technical audiences.

• Demonstrated strength in data analytics and segmentation methods used for risk policy optimization.

• Strong, practical understanding of end-to-end execution, including controls, governance, and operational risk management.

• Experience driving improvements that measurably impact profitability, loss performance, and customer experience.