AI/Insight Senior Associate for Credit Risk Growth Programs

Job Description

Join a team transforming portfolio decision-making with AI, advanced analytics, and intelligent automation. You’ll shape scalable insight solutions that improve monitoring, reporting efficiency, and strategy performance across key growth levers. This role sits at the intersection of business strategy, risk, analytics, and technology—turning complex data into clear decisions. If you enjoy building durable analytics products that leaders rely on, this is the right seat.

As a/an AI & Insights Lead – Portfolio Growth Programs in Portfolio Growth Programs (AI/Insights Team), you will lead the design and delivery of scalable analytics, AI/ML, and automation capabilities that power data-driven portfolio management. You will partner closely with business, risk, analytics, and technology stakeholders to translate strategy needs into repeatable insight solutions, strengthen governance and controls for AI-enabled processes, and drive measurable improvements in monitoring, reporting, and decision speed across Credit Line Increase (CLI), Balance Transfer (BT), Pricing, and Portfolio Optimization.

Job Responsibilities

• Lead AI and insights initiatives across Portfolio Growth Programs to support scalable and data-driven portfolio management.
• Identify and implement automation opportunities to improve reporting, monitoring, and analytical efficiency.
• Develop AI-enabled solutions and dashboards to enhance visibility into portfolio trends, customer behavior, and strategy performance.
• Support portfolio strategies including Credit Line Increase (CLI), Balance Transfer (BT), Pricing, and Portfolio Optimization.
• Partner with business, risk, analytics, and technology teams to translate business needs into practical analytical solutions.
• Build standardized reporting and insight frameworks to support ongoing strategy monitoring and governance.
• Leverage advanced analytics and emerging technologies to improve operational effectiveness and decision speed.
• Support development of scalable data and insight capabilities that can be reused across multiple portfolio strategies.
• Monitor and evaluate performance of AI and automation initiatives to ensure business value delivery. Drive continuous improvement initiatives to reduce manual effort and improve productivity across teams.
• Assist in establishing appropriate controls, governance, and documentation for AI-driven processes. Interact frequently with cross-functional partners and present to senior managers/executives; communicate trade-offs, risks, and recommendations clearly.
• Stay informed on emerging AI and analytics trends and assess applicability to portfolio management functions.

Required Qualifications, Capabilities, and Skills

• Bachelor’s degree in Analytics, Engineering, Statistics, Computer Science, Finance, Economics, or related quantitative field.
• Minimum 4+ years of experience in analytics, portfolio management, strategy, or related functions within financial services or consumer lending.
• Familiarity with emerging AI technologies including Generative AI, LLM applications, Orchestration framework and Intelligent automation solution
• Experience working with large datasets, reporting frameworks, and analytical tools.
  Strong understanding of portfolio strategies such as credit line management, pricing, balance transfer, or customer engagement strategies.
• Exposure to AI, machine learning, automation, or advanced analytics applications in business processes.
• Understanding of scalable AI solution design, prompt engineering, and AI governance concepts 
• Strong problem-solving and analytical skills with ability to translate data into actionable insights.
• Effective communication and stakeholder management skills across business and technical teams.
• Experience managing cross-functional initiatives and driving execution in a fast-paced environment.
• Proficient in SQL, Python, SAS, Tableau, or similar analytical and visualization tools preferred.
• Ability to balance strategic thinking with hands-on execution and delivery

About Us

JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world’s most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.

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.

JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans

About the Team

Our professionals in our Corporate Functions cover a diverse range of areas from finance and risk to human resources and marketing. Our corporate teams are an essential part of our company, ensuring that we’re setting our businesses, clients, customers and employees up for success.

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.