Consumer Banking

**JOB DESCRIPTION**

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

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.

Job responsibilities:

- Collaborating in developing, maintaining, and improving credit program policies, strategies, processes and procedures within the assigned function,
- Conducting complex analysis and providing accurate and concise results with recommendations to management.
- Develop and maintain ongoing analytics to provide management with full insight into emerging trends and the quality of the originated accounts and portfolio
- Acquire deep understanding of the operational processes, key performance metrics and profitability drivers, enabling the delivery of insights encompassing the full account lifecycle (e.g., underwriting, portfolio management, collections)
- Identify, evaluate, interpret and leverage complex internal and external data and develop analytical solutions to enhance risk strategies

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.

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
- Prior experience of working in US Cards industry in strategy / policy role
- 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. 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.