Associate - Credit Strategy - Chase Auto

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 ofrisk-growth-P&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

4-7 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.