Chase Card SMB Acquisitions - Credit Strategy - Associate

Job Description

As an Associate in Card Acquisitions Risk SMB Strategy, you will directly engage and influence Acquisitions risk strategies in the newly created 1st line credit function within the Card Credit Decisioning Unit (CDU). You will play a key role in defining the risk appetite for Small Business within Card acquisitions, managing credit risk, and ensuring sound lending decisions that balance value creation and prudent risk management.

This includes the management of risk‑taking activities for card originations from approve/decline to credit line assignment for the business card portfolios within Card's ~10mm new accounts annually. The role requires analytical curiosity, experience with complex data, and a detail‑oriented mind.

• Evaluate the Credit Box in partnership with SMB Acquisitions Lead, Product GMs, Finance and the second line of defense Credit Risk team
• Directly engage in assessing new expansion opportunities and execute against approved opportunities
• Set up reviews and processes to ensure we are executing well on our credit assumptions
• Partner with risk strategies in defining variables for new credit models and interface with the modeling team on the modeling suite and roadmap
• Develop and implement metrics to track performance
• Maintain a strong regulatory and controls environment
• Collaborate across stakeholders in business lines – risk, underwriting, legal, finance – to balance growth and risk

• High school diploma plus college courses, or a bachelor's degree in finance, business administration, or a related field is required
• 2+ 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; exceptional quantitative and qualitative finance and analytical skills

Chase is a leading financial services firm that helps households and small businesses achieve their financial goals.

We offer a competitive total rewards package, including base salary, commission‑based pay, discretionary incentive compensation, and a comprehensive benefits program that includes health care coverage, wellness centers, retirement savings plan, backup child care, tuition reimbursement, mental health support, financial coaching, and more.

We are an equal opportunity employer and place a high value on diversity and inclusion. 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.

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