Credit Strategy Associate - Credit Cards Acquisition and Line Management

Job Description
Join the Credit Strategy team to design and oversee the execution of credit strategies and capabilities for credit card acquisition and line management. Be part of a dynamic team that is redefining the credit card landscape in the UK with innovative products and customer-centric solutions. If you are passionate about credit strategy and eager to contribute to a new digital bank that is pushing the boundaries of customer experience, this is the opportunity for you.
As a UK Credit Cards Acquisition and Line Management Associate in our Credit Strategy team, you will play a crucial role in shaping and executing credit risk management strategies for our first Chase credit card product in the UK. You will collaborate with cross-functional teams to ensure robust credit controls and drive strategy optimization decisions. Your expertise in credit strategy, operations, and regulations will be key to managing credit risk exposure and supporting the growth of our portfolio.
Job responsibilities

• Oversee credit granting decisions for credit card products, including analytics, strategy, and capabilities across creditworthiness, indebtedness, and affordability.
• Partner with product owners to support customer acquisition and growth, leveraging new data sources like Open Banking and internal Chase data.
• Understand and manage cross-functional dependencies to align product development with risk appetite and regulatory requirements.
• Ensure compliance and operational risk mitigation in credit strategy processes, articulating risks and issues to business functions.
• Conduct deep-dive analytics on credit strategy effectiveness and collaborate with the Modelling team to enhance risk management decisions.
• Participate in Credit Forum and Risk Committees, providing updates on regulatory changes.
• Ensure credit strategy implementation aligns with Change Governance and is well-documented for delivery partners.

Required qualifications, capabilities, and skills

• Expertise in credit risk management
• Experience leading teams in analytics, strategy implementation, and process management.
• Strong analytical skills and innovative problem-solving abilities.
• Intellectual curiosity and adaptability in a dynamic environment.
• Ability to build strong relationships and influence cross-functional teams.
• Effective communication skills with internal and external partners.
• Proactive and enthusiastic approach to learning and generating innovative solutions.

Preferred qualifications, capabilities, and skills

• Experience with data extraction, manipulation, and analysis in programming languages like SQL or Python.
• Ability to work effectively in agile environments, adapting to fast-paced change.

About Us
J.P. Morgan is a global leader in financial services, providing strategic advice and products to the world's most prominent corporations, governments, wealthy individuals and institutional investors. Our first-class business in a first-class way approach to serving clients drives everything we do. We strive to build trusted, long-term partnerships to help our clients achieve their business objectives.
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.
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.