Vice President - Product Strategy - Home Lending Innovation

Vice President Product Strategy In Home Lending Innovation

The Innovation and Offers team within Chase Home Lending Product, Innovation and Insights drives growth and operational efficiency across the originations landscape by scaling structured offers, advancing digital verification, and simplifying end-to-end processes. We partner closely with Technology, Marketing, Capital Markets, Finance, Production and other stakeholders teams to build experiences that capture market share and reduce cost to origination

As a Vice President Product Strategy in Home Lending Innovation, you will be accountable for taking mortgage innovations from strategy through business case and governance across product design, credit policy, operating process, and enabling technology. This role owns the full lifecycle from opportunity assessment and business case development through governance and post-launch performance management, while participating in build execution and launch readiness processes led by delivery partners, with responsibility to secure cross-functional alignment and senior-level approvals. Success requires balancing borrower outcomes with the economics, risk posture, and execution feasibility required to deliver sustainable growth in a regulated, capital-markets-connected business.

Job Responsibilities

• Develop mortgage products and structured refinance programs that satisfy both borrower needs and investor/capital markets requirements
• Translate strategy into problem statements, target-state designs, and decision-ready business cases with clear governance and performance measures
• Own trade-off decisions that balance customer value, risk-based pricing, profitability, operational feasibility, and scalability
• Lead strategic partnerships—within CCB and externally—to expand structured refinance coverage, reduce origination expense, and modernize marketing and its downstream system impacts
• Align product, credit risk, compliance, legal, technology, operations, servicing, finance, and capital markets stakeholders before seeking executive approvals
• Deliver executive-level communication—written and verbal—that articulates options, implications, risks, and measurable outcomes
• Anticipate constraints across the full loan manufacturing lifecycle—from lead acquisition through servicing—and design solutions viable end-to-end
• Participate in build execution and launch readiness processes, ensuring delivery teams have the context needed to execute effectively

Required Qualifications, Capabilities and Skills

• 5+ years of experience in mortgage banking, consumer lending, or capital markets-adjacent roles; subject matter expertise in strategic analysis, finance, or home lending products
• Bachelor's degree required
• Proven ability to create data-driven, decision-ready business cases and structured offer economics, especially in a products or project setting
• Deep understanding of risk-based lending, lending regulations, and investor performance considerations
• Attention to detail with strong end-to-end problem solving across competing priorities
• Excellent verbal communication skills; frequent communication with senior leadership is required
• Excellent written presentation skills for producing executive-level material articulating options, risks, and measurable outcomes
• Conflict resolution, negotiation, and influencing skills

Preferred Qualifications, Capabilities and Skills

• Product leadership experience spanning strategy, design, build, and launch across technology, operations, policy, and go-to-market
• Experience partnering with capital markets and/or secondary market stakeholders to shape mortgage offerings
• Track record identifying and executing strategic partnerships with clear governance and measurable outcomes
• Awareness of industry, competitors, and their impact on business strategy and modernization efforts

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. For many, owning a home is the ultimate dream and we're here to help customers make responsible choices throughout the home buying process through our online tools and advice. Whether purchasing a first home or vacation home, refinancing an existing loan or tapping into a home equity line of credit, we offer comprehensive services to help homeowners at every stage of their journey.