Vice President, Affluent Acquisitions Risk

Job Description
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. Chase offers a broad array of credit cards to meet the needs of individuals and small businesses, including Chase-branded and co-branded cards in partnership with well-known companies and organizations.
As a Vice President in the Card Credit Decisioning Unit, you will be responsible for developing, managing, and overseeing the newly created 1st line credit function for Affluent Card Acquisitions. You will play a key role in defining the risk appetite for Affluent Card acquisitions, managing credit risk, and ensuring sound lending decisions that balance value creation with prudent risk management. Additionally, you will develop risk management strategies in partnership with the Credit Risk organization and shape underwriting policies to align with the bank's financial goals. This includes managing risk-taking activities for card originations, from approve/decline decisions to credit line assignments, for the Affluent portfolios within Card's approximately 10 million new accounts annually.
Job Responsibilities:

• Define the Credit Box in partnership with Product GM's, Finance, and the second line of defense Credit Risk team. Set up reviews and processes to ensure we are executing well on our credit box assumptions.
• 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.
• 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 monitoring to 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:

• A Bachelor's Degree in finance, business administration, or a related field is required
• 7+ 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
• Deep knowledge of banking regulations and ensuring adherence
• Strong judgment in approving or recommending credit transactions
• Exceptional quantitative and qualitative finance and analytical skills with the ability to leverage data and anecdotal feedback to structure complex problems and make decisions
• 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

Preferred qualifications, skills and capabilities:

• Demonstrated career of successful program implementations
• A high level of personal initiative, setting and achieving challenging goals, and demonstrating entrepreneurial leadership

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.