Chase Card SMB Acquisitions – Credit… at JPMorganChase · Wilmington

Shape credit risk strategy for small business card acquisitions and drive impactful lending decisions at scale.

Join a newly established first-line credit function where your expertise will directly shape risk appetite and lending strategy for one of the largest card portfolios in the industry. In this high-visibility role, you will collaborate with senior leaders across product, finance, and risk to define the future of small business credit decisioning — balancing growth with sound, responsible lending.

As a Small Business Card Acquisitions Risk Strategy Vice President in the Card Credit Decisioning team, you will define and manage credit risk strategies for small business card originations, overseeing decisions from approval and decline through credit line assignment across approximately 10 million new accounts annually. You will partner across the organization to set risk appetite, shape underwriting policies, and ensure lending decisions that create sustainable value. This role calls for analytical curiosity, comfort with complex data, and the ability to translate insights into clear, actionable strategy.

Job responsibilities

• Define the credit risk appetite and credit box in partnership with Product, Finance, and the Credit Risk team
• Assess new credit expansion opportunities and develop execution plans in collaboration with product and risk partners
• Establish reviews and processes to monitor performance against credit assumptions and ensure disciplined execution
• Shape the variables included in new credit models and engage with the modeling team on roadmap development and priorities
• Recruit, develop, and retain high-performing talent within the credit decisioning function
• Design and implement performance metrics; lead performance monitoring reviews with senior leadership
• Drive policy and strategy development by shaping credit policies and risk management frameworks
• Maintain a strong regulatory and controls environment across all credit risk activities
• Collaborate with stakeholders across risk, underwriting, legal, and finance to balance growth objectives with sound risk management

Required qualifications, capabilities, and skills

• Bachelor's degree in Finance, Business Administration, or a related field
• 7 years of experience in direct-to-consumer lending, originations, or retail credit at a large-scale financial services organization
• Demonstrated ability to evaluate and manage credit risk, with strong judgment in recommending or approving credit policy
• Exceptional quantitative and analytical skills, with experience working with complex, large-scale data
• Proven strategic thinking and execution capabilities, with a track record of identifying and driving business improvements
• Experience collaborating across cross-functional teams and multiple stakeholders within large organizations
• Experience developing executive-level presentation materials and leading senior leadership briefings
• High level of personal initiative with a demonstrated track record of setting and achieving challenging goals

Preferred qualifications, capabilities, and skills

• Advanced degree (MBA or Master's) in Finance, Statistics, Economics, or a related quantitative field
• Experience in small business or commercial credit risk strategy
• Familiarity with credit scoring models, underwriting systems, or automated decisioning platforms
• Prior experience in a first-line risk or credit strategy function at a major financial institution
• Proficiency in data analysis tools such as Python, SQL, or SAS

Applicants must be authorized to work for any employer in the US. We are not able to provide immigration sponsorship or take over sponsorship of an employment visa at this time. Final job grade level and corporate title will be determined at time of offer and may differ from this posting.

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.

About the Company

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