Analytics Associate, Card Risk Management

Job Description

Introductory Marketing Language:
Help shape how Chase Card Services engages customers in moments that matter—responsibly, compliantly, and effectively. In this role, you’ll combine risk judgment with hands-on analytics to improve cures, recoveries, and customer outcomes across call, text/SMS, email, and letters. You’ll design test-and-learn programs, translate results into clear actions, and influence strategy at scale. Join Risk Management and Compliance and help keep JPMorganChase strong, resilient, and customer-centered.

As an Analytics Associate, Card Risk Management in Chase Card Services, Risk Management and Compliance (Collections Risk Criteria Team), you will develop and execute customer outreach strategies across channels while building short-term and long-term analytics to measure performance, manage risk, and guide strategy decisions.
You will design test-and-learn programs, define eligibility and targeting frameworks, monitor operational and customer impact, and deliver leadership-ready insights and recommendations. You will partner closely with Operations, Legal, Compliance, Product, Analytics, Technology, and Credit Strategy to ensure end-to-end execution within the firm’s risk appetite and regulatory expectations.

Job Responsibilities:

• Develop multi-channel outreach strategies (call, text/SMS, email, letters) aligned to business objectives, customer experience, and risk appetite.
• Analyze short-term outreach performance to diagnose drivers, identify issues/opportunities, and recommend rapid iterations to improve outcomes.
• Build long-term measurement frameworks (KPIs, definitions, attribution, governance) that enable durable performance monitoring and roadmap decisions.
• Design test-and-learn experiments (segmentation, channel mix, cadence, messaging, timing) including hypotheses, success metrics, and evaluation plans.
• Execute experimentation measurement (test/control design, eligibility rules, operational feasibility checks) and synthesize results into actions.
• Optimize engagement, cures, recoveries, and cost-to-collect while balancing customer impact, operational constraints, and compliance requirements.
• Define eligibility and targeting criteria to ensure the right customers receive the right treatment at the right time, incorporating risk controls.
• Monitor KPIs such as contact rate, right-party contact, response rate, promise-to-pay, cure/roll rates, recovery dollars, complaints, opt-outs, and capacity impacts.
• Deliver recurring reporting and insights for senior management, highlighting trends, risks, tradeoffs, and recommended actions.
• Conduct risk assessments for regulatory, operational, customer harm, and reputational risks; implement mitigations and document controls.
• Collaborate cross-functionally to align strategy, execution, and governance across stakeholders and adapt to policy/regulatory changes.

Required Qualifications, Capabilities, and Skills:

• Bachelor’s degree or equivalent relevant experience.
• Minimum 1+ years of experience in credit risk, collections/servicing strategy, controls, compliance, audit, or a related function within financial services.
• Minimum 1+ years of hands-on analytics experience supporting strategy decisions (short-term performance diagnosis and longer-term frameworks/automation).
• Demonstrated knowledge of the account lifecycle (portfolio management through collections/recovery) and associated risk considerations.
• Proven experience developing or optimizing outreach/channel strategies (segmentation, eligibility, cadence, messaging, channel mix, and timing).
• Ability to design and evaluate experiments (hypothesis development, success metrics, measurement methodology, and interpretation of results).
• Experience monitoring and explaining operational KPIs and translating them into actionable recommendations and governance decisions.
• Strong risk and control mindset, including identifying customer harm/compliance risks and implementing mitigations.
• Excellent stakeholder management across Operations, Legal, Compliance, Product, Analytics, Technology, and Credit Strategy.
• Strong written and verbal communication skills, including executive-ready narratives, readouts, and recommendations.
• Strong organizational skills, including ability to manage multiple priorities, timelines, and cross-functional dependencies.

Preferred Qualifications, Capabilities, and Skills:

• Advanced analytics/tooling (e.g., SQL; Python or SAS; Tableau/Power BI) to enable repeatable insights and reporting automation.
• Experience with test governance (documentation, controls, audit readiness, and compliance partnership) for customer communications.
• Familiarity with communications compliance considerations (e.g., consent/opt-out management, complaint monitoring, channel policies).
• Experience balancing capacity and operational constraints (dialer capacity, agent staffing, vendor/print lead times) in strategy design.
• Background in customer-centered strategy incorporating fairness, vulnerability considerations, and complaint/dispute trend analysis.
• Comfort presenting to senior leaders, including succinct executive summaries and clear decision asks.

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.