Executive Director - Auto Acquisitions Risk Loss Estimation and Direct to Consumer Oversight

Job Description

As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow responsibly by identifying emerging risks and applying expert judgment to complex business challenges that impact customers, communities, and shareholders.

As an Executive Director in Auto Acquisitions Risk, you will lead teams responsible for Originations Loss Estimation and Direct-to-Consumer (DTC) Credit Risk Oversight across Chase Auto. You will be accountable for origination loss estimates across all channels to support pricing decisions. You will drive the modernization of loss estimation methodologies, including the implementation of machine learning-based approaches to improve risk differentiation and forecasting accuracy. You will also lead a team responsible for credit risk criteria for Chase Auto's Direct to Consumer businesses, including prequalification, preapproval, and auto refinance programs reaching approximately 25 million customers and prospects annually. This role offers the opportunity to collaborate across Risk, Auto Credit Decision Unit (CDU), Finance, Product, Modeling, and Technology teams to deliver responsible growth while maintaining robust risk management and controls.

Job Responsibilities

• Lead the Originations Loss Estimation and Direct-to-Consumer teams within Auto Acquisitions Risk.
• Oversee loss estimation methodologies used to support pricing and profitability decisions across all Chase Auto channels.
• Drive redevelopment of loss estimation capabilities leveraging advanced analytics and machine learning models.
• Enhance credit risk criteria for Direct-to-Consumer channels, including prequalification, preapproval, and refinance programs.
• Establish strong governance, monitoring, documentation, and control frameworks for loss estimation and Direct-to-Consumer processes.
• Work with Product, Marketing, Finance, Modeling, and Technology teams to optimize growth and risk-adjusted returns.
• Monitor portfolio performance and implement credit criteria enhancements to improve outcomes and business results.
• Develop a high-performing team through talent management, coaching, and leadership development.

Required Qualifications, Skills and Capabilities

• Bachelor’s degree required.
• 10+ years of credit risk management experience.
• Strong understanding of consumer lending P&Ls and key drivers of loss and profitability.
• Demonstrated ability to lead and develop high-performing teams.
• Strong understanding of Credit Risk Models including Machine Learning and Logistic regression models 
• Proven track record in product collaboration, risk analytics, and stakeholder management.
• Exceptional analytical, strategic thinking, and problem-solving skills.
• Excellent communication and presentation skills with experience engaging senior leaders and external partners.
• Experience with audit processes and maintaining strong documentation and controls.
  

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.