JPMorgan Chase—Associate - Credit Strategy - Chase Auto

Job description

Description: Job Responsibilities - Analyze consumer and dealer/channel credit performance to identify key drivers of approval rate, booked volume, loss rate (incl. early loss), and profitability; translate findings into strategy recommendations. - Build, refine, and maintain credit decisioning strategies (policy rules, cutoffs, segmentation) with a clear view of risk–growth–P&L trade-offs. - Design and support test-and-learn / challenger strategies to measure incremental impact, document assumptions, and recommend scale/rollback decisions. - Support credit policy execution and governance by maintaining underwriting guidelines, decisioning logic documentation, and risk control frameworks aligned to business priorities. - Partner cross-functionally (Risk, Underwriting, Finance, Product, Ops, Tech) to implement strategy changes in decisioning workflows/systems and track outcomes to targeted portfolio metrics. - Monitor portfolio and dealer/channel trends for emerging risks (mix shifts, dealer behavior, macro impacts) and recommend mitigation actions consistent with risk appetite. - Communicate insights and proposals to US stakeholders with clear, structured narratives and defensible analytical support. - Contribute to special projects related to portfolio optimization, decisioning process improvement, and strategic initiatives. Required Qualifications, Capabilities and Skills 4–7 years of experience in retail/auto credit decisioning, underwriting, or credit policy execution (bank/fintech/credit analytics organization). - Hands-on Python and SQL skills (comfortable with data pulls, joins/aggregations, basic analytics, and synthesizing results into recommendations). - Strong understanding of consumer credit risk concepts and how underwriting/decisioning changes impact portfolio outcomes (approval rate vs loss rate vs growth/profitability). - Strong logical reasoning and structured problem solving; able to make clear assumptions and produce defensible decisions. - Excellent written and verbal communication; able to work directly with US-based stakeholders and operate effectively across time zones. - Team-oriented, able to work in a fast-paced environment with multiple stakeholders. Preferred Qualifications, Capabilities and Skills - Experience with decisioning engines / rules-based platforms (any), rule governance, and operationalizing policy changes. - Experience running challenger rules/testing, experimentation frameworks, or structured “test-and-learn” programs. - Familiarity with portfolio monitoring approaches (vintage/cohort analysis, roll rates, early delinquency indicators, segmentation performance). - Prior experience in fintech/banking environments or a statistics/quant background. - Proven stakeholder management across time zones; ability to write crisp updates and decision memos.