Risk Management - Collections Strategy - Associate

Risk Management – Collections Strategy – Associate

Help protect customers and strengthen JPMorganChase by turning data into smarter, fairer collections decisions. In this role, you'll sit at the intersection of analytics, strategy, and risk—shaping initiatives that improve outcomes and reduce losses. You'll be empowered to challenge the status quo, dig into root causes, and influence senior stakeholders. If you're curious, proactive, and motivated by measurable impact, this team offers a fast-paced environment with meaningful responsibility.

As a/an Risk Management – Collections Strategy – Associate in the Collections Pre Charge-off Team (Cards), you drive analytics and risk monitoring that support responsible growth and long-term performance. You will identify performance trends, diagnose drivers of change, and translate complex insights into clear, actionable recommendations for senior leadership and cross-functional partners. You'll also help strengthen the risk management framework by ensuring monitoring, reporting, and process improvements align to established risk parameters and regulatory expectations.

Job Responsibilities:

• Develop comprehensive analytics to measure, evaluate, and challenge key collections and pre charge-off initiatives
• Independently generate data-driven solutions that improve strategy performance and risk outcomes
• Partner with cross-functional teams to assess trends and deliver insights across the collections lifecycle
• Analyze large behavioral datasets using statistical and data mining techniques to uncover patterns and opportunities
• Perform root cause analysis to explain performance movement and isolate key drivers
• Translate complex findings into practical recommendations with clear business implications and trade-offs
• Prepare detailed risk monitoring and performance reporting for senior management and key stakeholders
• Present insights and recommendations to multiple levels of management with concise, compelling narratives
• Support the development and maintenance of the risk management framework, including controls, monitoring, and documentation
• Ensure work aligns with regulatory requirements and internal risk standards
• Monitor internal/external signals (behavioral data, industry trends, regulatory changes, and best practices) to continuously improve processes

Required Qualifications, Capabilities, and Skills:

• Bachelor's degree or higher in a quantitative discipline (e.g., Finance, Statistics, Economics, Mathematics, Operations Research, or related field)
• Minimum 2 years of analytics experience, including trend analysis and performance measurement in a business context
• Demonstrated ability to logically structure ambiguous problems and execute end-to-end analyses with strong attention to detail
• Proficiency using quantitative methods (e.g., statistical analysis, segmentation, regression, or related techniques) to inform decisions
• Experience applying data mining approaches to large datasets to identify insights and drivers
• Ability to translate complex analysis into practical solutions and concise presentations with sound business conclusions
• Strong communication skills, including presenting findings and recommendations to stakeholders at varying seniority levels
• Comfort working independently, prioritizing work effectively, and making well-reasoned decisions with limited supervision
• Proven problem-solving skills, including conducting root cause analysis and developing actionable recommendations
• Adaptability to learn new tools and technologies quickly and apply them to improve outcomes
• Results orientation, with a track record of delivering measurable impact in a fast-paced environment

Preferred Qualifications, Capabilities, and Skills:

• Experience in credit risk, collections strategy, or consumer lending, especially within Cards or unsecured products
• Working knowledge of pre charge-off collections workflows, performance metrics, and loss drivers
• Advanced analytics tooling experience (e.g., SQL and/or Python/R; visualization tools such as Tableau/Power BI)
• Experience building executive-ready monitoring dashboards, scorecards, or recurring risk reporting routines
• Familiarity with risk governance concepts (controls, monitoring, documentation) and partnering with compliance/legal stakeholders
• Strong stakeholder management skills, including influencing across functions without direct authority
• Continuous improvement mindset, with examples of process enhancements or automation that improved insight delivery or decisioning

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. 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.