Job Description
Bring your expertise to JPMorganChase and help shape the future of risk management in a world-class organization. As part of Risk Management and Compliance, you’ll be at the center of keeping the firm strong and resilient—using expert judgment and analytics to help govern risk-taking activities that impact our customers and communities. Our culture is built on innovation, challenging the status quo, and striving to be best-in-class. Join a team that values outside-the-box thinking and empowers you to drive meaningful change by developing strategies that balance growth, risk mitigation, and customer experience.
As a Vice President, Acquisition Risk Management – Consumer Card (Retail Co-Brand), you will provide independent risk oversight for new account originations across our retail co-brand partnerships. You will set and maintain acquisition risk frameworks, review and challenge underwriting/decisioning strategies, and influence key decisions through governance routines and data-driven insights. You will partner closely with Card Product, Marketing, Finance, Analytics, Lending, and Technology teams—and engage with Governance, Legal, and Compliance—to ensure strategies are well-controlled, compliant, and aligned to risk appetite.
Job Responsibilities
- Provide independent oversight (2LOD) of acquisition risk decisioning for retail co-brand consumer card originations
- Perform review and effective challenge of first-line proposals (policy/strategy changes, test plans, model/score usage, segmentation, offer/channel changes), ensuring risks are identified, quantified, and mitigated
- Establish and monitor KRIs / early warning indicators, approval and loss metrics, and policy adherence; escalate emerging issues as needed
- Partner with Governance, Legal, and Compliance to ensure strategies meet regulatory and internal policy requirements (including fair lending considerations and documentation expectations)
- Support governance forums (approvals, periodic reviews, audits/exams), including preparing materials, documenting decisions, and tracking action items to closure
- Drive cross-functional alignment by communicating risk/return tradeoffs and recommending compensating controls or alternative approaches
- Conduct deep-dive analytics (e.g., segmentation, vintage/performance monitoring, funnel diagnostics, champion/challenger, attribution impacts) and deliver clear, actionable recommendations
- Partner with Technology and Decision Management teams to implement strategies in decisioning platforms, ensuring strong testing, documentation, and change
- Contribute to continuous improvement of acquisition risk processes, monitoring, and reporting; mentor junior team members as applicable
Required Qualifications, Capabilities, and Skills
- Bachelor’s degree in a quantitative discipline (e.g., Economics, Statistics, Math, Engineering, Computer Science)
- Minimum 6 years of experience in consumer lending / credit risk
- Strong understanding of consumer credit laws and regulations relevant to underwriting/decisioning and risk governance
- Strong analytics experience using SQL and/or SAS (Python a plus) to independently assess strategy performance and risk outcomes
- Demonstrated ability to operate in a governance and oversight capacity (risk frameworks, controls, monitoring, documentation)
- Proven ability to influence senior stakeholders through clear communication, structured thinking, and data-driven recommendations
- Strong project management skills; ability to manage multiple priorities and deliver under tight timelines
Preferred Qualifications, Capabilities, and Skills
- Master’s degree in a quantitative field or related discipline
- Experience overseeing consumer card acquisition strategies, preferably in co-brand and/or partner/channel-driven acquisition models
- Familiarity with decisioning ecosystems (rules engines, underwriting platforms) and strategy change management controls
- Experience supporting audit, exam, and regulatory interactions; comfort with creating durable documentation and evidence trails
- Track record of driving process improvement in risk monitoring, reporting, and governance routines
