Credit Risk, Senior Associate

Job Description
Chase Card Services is the leading credit card issuer in the U.S. With over $1 trillion in sales volume, we have been #1 in the industry since 2017. We have also been #1 in outstandings (loans) for more than 10 years and lead in top-of-wallet market share. We serve more than 50 million active accounts across our Chase Branded Cards business, which includes the Sapphire, Freedom, Slate consumer credit cards and Ink small business portfolio, and our Co-Brand Card business.
Position Overview
As the Credit Risk Senior Associate, you will be a pivotal member of the newly formed Card Credit Decisioning Unit, tasked with driving strategic insights and enhancing valuation strategy that underpin our investment decisions. This role is designed for a proactive and analytical individual who can navigate complex financial landscapes and provide data-driven recommendations that align with our business objectives.
In this position, you will be responsible for highlighting new considerations for credit card onboarding and offer eligibility, your work will involve analyzing cross-product performance trends to uncover opportunities for growth and efficiency. You will collaborate closely with cross-functional teams, including marketing, finance, and product development, to ensure that your analyses and recommendations are integrated into broader business strategies. Your ability to communicate complex information clearly and effectively will be crucial in influencing decision-making processes across the organization.
This role offers a unique opportunity to contribute to the strategic direction of our credit card portfolio, leveraging your analytical expertise to drive innovation and growth. You will be part of a dynamic and forward-thinking team that values creativity, collaboration, and continuous improvement.
Key Responsibilities

Analyze cross-product performance trends to identify opportunities for growth and optimization
Address complex questions related to credit card onboarding and customer offer eligibility and prepare recommended action items
Collaborate with cross-functional teams to provide data-driven insights and recommendations
Monitor and report on key performance indicators (KPIs) to track portfolio performance and identify areas for improvement
Qualifications

Bachelor's degree in Finance, Economics, Business, or a related field; advanced degree preferred
Proven experience in financial modeling and investment analytics, preferably within the credit card industry
Strong analytical skills with the ability to interpret complex data and provide actionable insights
Excellent communication and presentation skills, with the ability to convey complex information to diverse audiences
Proficiency in data analysis tools and software (e.g., Excel, SQL, Python, R)
Ability to work independently and collaboratively in a fast-paced environment
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
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.