Position Overview

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.

As an Executive Director on the Consumer Branded Card Acquisitions Risk team, you will define and refine credit criteria for branded card products, ensuring growth objectives are met while delinquency and loss performance remain within our risk appetite. You will utilize your deep expertise in credit risk management, product collaboration, and stakeholder engagement, including evaluation of alternative data to support testing, innovative capabilities, and growth initiatives. You will also build the leadership pipeline and foster a high-performance, inclusive culture.

Job Responsibilities

• Set and evolve acquisition credit criteria across channels to align with growth, profitability, and risk appetite.
• Assess expected losses, profitability, and customer behavior to inform launch recommendations and sustainable scaling.
• Track approval rates, credit quality, delinquency, and losses; identify opportunities for criteria enhancements and risk mitigation.
• Brief general managers and senior leaders on performance drivers, approval trends, and strategic recommendations.
• Serve as a key partner to Product, Marketing, and Finance, sharing insights on application volume, credit trends, and upcoming model/criteria changes.
• Evaluate new products/channels and design risk guardrails that balance growth and sound risk management; leverage champion-challenger testing.
• Maintain robust documentation and controls; support internal/external audits and ensure compliance with regulatory and policy requirements.
• Lead, mentor, and develop a high-performing team; build leadership bench and drive a culture of excellence, collaboration, and continuous improvement.

Required qualifications, capabilities and skills

• Bachelor's degree required
• 10+ years of credit risk management experience
• Strong understanding of consumer lending profit and loss and key drivers of credit card loss and profitability
• Proven track record in product collaboration, risk analytics, and stakeholder management.
• Exceptional analytical, strategic thinking, and problem-solving skills.
• Excellent communication and presentation skills 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.

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.