Associate Credit Strategy Chase Auto

Description

Job Responsibilities

• Analyzeconsumer and dealer/channel credit performanceto identify key drivers of approval rate booked volume loss rate (incl. early loss) and profitability; translate findings intostrategy recommendations.
• Build refine and maintaincredit decisioning strategies(policy rules cutoffs segmentation) with a clear view ofriskgrowthP&L trade-offs.
• Design and supporttest-and-learn / challenger strategiesto measure incremental impact document assumptions and recommend scale/rollback decisions.
• Supportcredit policy execution and governanceby maintaining underwriting guidelines decisioning logic documentation and risk control frameworks aligned to business priorities.
• Partner cross-functionally (Risk Underwriting Finance Product Ops Tech) toimplement strategy changesin 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 recommendmitigation actionsconsistent with risk appetite.
• Communicate insights and proposals toUS stakeholderswith clear structured narratives and defensible analytical support.
• Contribute to special projects related toportfolio optimization decisioning process improvement and strategic initiatives.

Required Qualifications Capabilities and Skills

47 yearsof experience inretail/auto credit decisioning underwriting or credit policy execution(bank/fintech/credit analytics organization).

• Hands-on Python and SQLskills (comfortable with data pulls joins/aggregations basic analytics and synthesizing results into recommendations).
• Strong understanding ofconsumer credit riskconcepts and how underwriting/decisioning changes impactportfolio outcomes(approval rate vs loss rate vs growth/profitability).
• Stronglogical reasoning and structured problem solving; able to make clear assumptions and produce defensible decisions.
• Excellentwritten and verbal communication; able to work directly withUS-based stakeholdersand operate effectively across time zones.
• Team-oriented able to work in a fast-paced environment with multiple stakeholders.

Preferred Qualifications Capabilities and Skills

• Experience withdecisioning engines / rules-based platforms(any) rule governance and operationalizing policy changes.
• Experience runningchallenger rules/testing experimentation frameworks or structured test-and-learn programs.
• Familiarity withportfolio monitoringapproaches (vintage/cohort analysis roll rates early delinquency indicators segmentation performance).
• Prior experience infintech/bankingenvironments or astatistics/quantbackground.
• Proven stakeholder management across time zones; ability to writecrisp updatesand decision memos.

Required Experience:

IC

Employment Type : Full-Time
Experience: years
Vacancy: 1