Senior Credit Strategy Officer - Chase for Business

he Head of BB Lending and functionally to the Head of Fraud Strategy and Credit Decisioning Unit.

You will play a key role in defining the risk appetite for Lending Business within Business Banking, managing credit risk, ensuring sound lending decisions, and maintaining portfolio health. Additionally, you will develop risk management strategies in partnership with Credit Risk organization, and shape credit, fraud and collection policies to align with the bank's financial goals. This role requires deep analytical expertise, regulatory knowledge, and collaboration with internal teams to balance risk and growth. The Senior Credit Strategy Officer will also provide leadership in decision-making for complex transactions, ensuring compliance with industry standards and internal controls.

Job Responsibilities:

• Define the Credit Box in partnership with Product GM's , leaders and Credit Risk Strategy

• Lead alignment with Product, Risk, Fraud and collections 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.

• Set up reviews and processes to ensure we are executing well on our credit box assumptions

• Partner with risk strategies in defining variables that would be included in new credit models. Be the interface with the modeling team to ensure the right execution

• Portfolio Management: Review existing portfolio management strategies and their effectiveness. Partner with second line in developing new recommendations.

• Fraud and Collections: Partner with fraud and collections teams in developing KPI and roadmap for effective management for all products in the portfolio. Assess performance and effectiveness of current strategies

• Pricing: Partner with product strategy and finance to translate product and margins goals into pricing strategies and roadmap. Develop a test plan for each portfolio and define a business case to help with prioritization

• Reporting : Develop and implement metrics to track portfolio performance. Lead the reporting of all reporting to senior leadership

• Policy & Strategy Development: Help shape credit policies, underwriting standards, and risk management frameworks.

• Regulatory Compliance: Ensure adherence to banking regulations and internal controls related to credit risk.

• Stakeholder Collaboration: Work with teams across business lines (e.g., risk, underwriting, legal, finance) to balance growth and risk.

• Decision-Making Authority: Provide approvals or recommendations for complex and high-value credit transactions.

Required qualifications, skills and capabilities:

• A Bachelor's Degree in finance, business administration, or a related field is required.

• 15+ 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

• 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

• A high level of personal initiative, setting and achieving challenging goals, and demonstrating entrepreneurial leadership

• Excellent analytical skills with the ability to leverage data and anecdotal feedback to structure complex problems and make decisions

• Demonstrated career of successful program implementations

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.