Consumer Card Risk Strategic Analytics

**JOB DESCRIPTION**
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. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo, and striving to be best-in-class.

CCB Risk Cards Strategic Analytics team generates thoughtful analytics and recommendations concerning strategy development, implementation, operational controls, and performance monitoring.

As part of the Consumer Card Strategy Team, you will perform quantitative and qualitative analysis on credit card customers to determine the optimal credit risk strategy to be employed through the card life cycle. Expectations include assisting in developing, maintaining, and improving program policies, strategies, processes, and procedures within the assigned function, conducting complex analysis and providing accurate and concise results with recommendations to management. Primarily use advanced tools and techniques to perform assigned work.

**Responsibilities**:

- Be the functional owner for a credit risk strategy in consumer card within Chase Consumer & Community Banking.
- Develop and maintain key credit risk policy strategies by conducting complex analysis to segment data and isolate risk using analytical techniques such as clustering and decision trees, and leveraging both internal and external credit data
- Interpret large amounts of complex data to formulate problem statement, concise conclusions regarding underlying risk dynamic trends and opportunities
- Develop, communicate and implement optimal risk strategies (including rules, cutoffs, policies, operational flows, etc.)
- Identify key risk indicators and metrics, develop key metrics, enhance reporting and formulate areas of analytic focus
- Identify, evaluate and leverage external data sources and analytical solutions to enhance risk strategies and Work with cross-functional partners, e.g., Finance, Credit, Technology and Business to understand and address key business challenges

**Required qualifications, capabilities, and skills**
- Master’s/ Bachelor’s Degree in Statistics, Econometrics, Operations Research, Mathematics (or equivalent quantitative field)
- Strong SAS programming, Unix, Secure Shell and SQL programming skills
- Advanced PC Skills, Word, Power point, and Excel (graphs, charts, formulas etc.)
- Minimum 4 years of total experience with 2+ years of experience in Consumer Lending Business Analysis, Risk or related Financial Analysis
- Demonstrated excellent written and oral communication skills to clearly present analytical findings and make business recommendations via the use of Microsoft Word, Excel, and PowerPoint
- Should be an excellent team person
- Prior experience of working in US Cards industry in strategy / policy role

**Preferred qualifications, capabilities, and skills**
- Ability to understand business needs, diagnose performance issues, and develop recommendations through combination of data analysis and business critical thinking
- Familiarity with current analytical techniques, e.g. regression, decision trees, segmentation techniques, etc
- Ability to prioritize goals to meet business objectives and work under pressure and multi-task in a fast-paced environment
- Drive for results, attention to detail
- Excellent verbal and written communication skills - ability to liaison with cross functional groups, present results to senior leaders, create effective presentations.

**ABOUT US**

JPMorgan Chase & Co., one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world’s most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.

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. In accordance with applicable law, we make reasonable accommodations for applicants’ and employees’ religious practices and beliefs, as well as any mental health or physical disability needs.

**ABOUT THE TEAM**

Our Consumer & Community Banking division serves our Chase cu