Credit Risk - Vice President - Credit Decisioning Unit

As a Credit Decisioning Unit (CDU) Vice President within the CCB Business Banking organization, you will lead complex credit analyses, develop forward-looking risk management strategies, and help define underwriting and policy frameworks aligned with the firm’s risk appetite and financial objectives. You will collaborate with key partners in Risk, Underwriting, Finance, Legal, and senior leadership, to balance growth and profitability while ensuring strong governance, controls, and regulatory compliance at JPMorgan Chase.

Job Responsibilities

• Lead evaluation of complex and high-value consumer credit exposure initiatives, ensuring alignment with established risk appetite, policies, and underwriting standards.
• Monitor portfolio performance and emerging risk trends across the credit lifecycle; develop and recommend mitigation strategies to protect asset quality and returns.
• Shape and evolve credit policies, underwriting guidelines, and risk management frameworks in support of sustainable growth.
• Serve as a trusted advisor on complex or non-standard credit transactions, providing sound, well-reasoned recommendations to senior stakeholders.
• Collaborate cross-functionally with Risk, Underwriting, Legal, Finance, and Business partners to align credit strategy with the firm’s objectives.
• Design tools for effective performance measurement of key business initiatives and tests Implement standards and practices that enhance clarity and accountability and promote consistency and transparency across the department

Required Qualifications, Capabilities, and Skills

• Bachelor’s degree in finance, business, economics, or a related field.
• 7+ years of progressive experience in consumer lending, credit strategy, underwriting, or portfolio risk management within a large, complex financial institution.
• Demonstrated expertise in evaluating and managing credit risk, including strong independent judgment on complex credit decisions.
• Advanced Analytical & Financial Skills: Proven ability to synthesize quantitative analysis, qualitative insights, and market data to drive informed decision-making.
• Strategic Leadership: Ability to translate strategy into execution, identify opportunities for innovation, and influence outcomes in a matrixed organization.
• Executive Communication & Influence: Experience delivering clear, compelling insights to senior leadership and influencing decisions at the executive level.
• Initiative & Entrepreneurial Drive: High personal initiative, goal-setting, and entrepreneurial leadership to achieve challenging objectives.

Preferred qualifications, capabilities, and skills

• Experience in Business Banking
• Proficiency in data analysis tools and software