Description

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, you'll be at the center of keeping the firm strong and resilient-using 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 teams-and engage with Governance, Legal, and Compliance-to 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

• Bachelor's 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

• Master's 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

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

\n 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.\n
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\n 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.\n