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Job description
Join Chase Card Services, the top credit card issuer in the U.S., and lead innovative credit strategies for small and medium businesses. As a Card Acquisitions Risk Strategy Director in the Card Credit Decisioning Unit, you will lead the credit function for Small & Medium Business Card Acquisitions. You will define risk appetite, manage credit risk, and ensure lending decisions align with our financial goals. Collaborating with internal teams, you will develop risk management strategies and shape underwriting policies to support responsible growth. Your role is crucial in managing risk-taking activities for business card origination
Job Responsibilities:
Define the Credit Box in partnership with SMB Product GM’s, Finance, and the second line of defense Credit Risk team
Lead alignment with Product and Finance and Risk to define and execute on strategies to achieve credit goals
Partner closely with product and risk teams in assessing new credit opportunities. Define an execution plan for new credit opportunities
Set up reviews and processes to ensure we are executing well on our credit box assumptions
Partner with risk strategies in defining variables that would be included in new credit models and interface with the modeling team on the acquisitions modeling suite and roadmap
Recruit and develop high performing talent to staff the acquisitions credit decisioning unit
Develop and implement metrics to track acquisitions performance. Lead the report outs for performance monitoringto senior leadership
Help shape credit policies, underwriting standards, and risk management frameworks
Ensure adherence to banking regulations and internal controls related to credit risk
Work with teams across business lines (e.g., risk, underwriting, legal, finance) to balance growth and risk
Provide approvals or recommendations for complex acquisitions related credit transactions
Required qualifications, skills and capabilities:
Bachelor’s Degree in finance, business administration, or a related field is required
10+ years of relevant experience in direct to consumer lending, originations, and/or retail credit experience at a complex large-scale financial services business
Ability to evaluate and manage credit risk effectively along with deep knowledge of banking regulations and ensuring adherence
Strong judgment in approving or recommending credit transactions along with exceptional quantitative and qualitative finance and analytical skills
Demonstrated strategic thinking and execution skills; insight and ability to proactively identify opportunities to innovate and improve the business
Exceptional people leadership, relationship development and negotiating skills; ability to earn respect and trust among internal and external business partners and team members
Proven experience in collaborating across teams and lines of business within large organizations
Strong proficiency with executive-level presentation materials and briefings, and the ability to simplify complex subject matter into digestible executive communications
A high level of personal initiative, setting and achieving challenging goals, and demonstrating entrepreneurial leadership
Excellent analytical skills with the ability to leverage data and anecdotal feedback to structure complex problems and make decisions
Demonstrated career of successful program implementations
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.
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
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.
Drive credit strategies for SMB card acquisitions within the newly created 1st line credit risk function.
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Worksite address
wilmington, DE, 19894, US
Who can apply
Review the original listing for work authorization, qualifications and employer requirements.