Executive Director, SMB Business Card Portfolio Spend, Lend and Rewards Strategy

Job Description

Help shape strategies that make card value clearer and more rewarding for small business customers while supporting responsible growth. You will drive cross-portfolio priorities and capabilities that improve engagement and portfolio performance.

Job summary

As a Executive director small business cards in the Small business card team , you lead cross-portfolio spend, lending, and rewards strategy and translate insights into a clear roadmap with measurable outcomes. You operate at the intersection of product, analytics, risk, finance, and delivery to align priorities, make tradeoffs, and improve portfolio economics. You communicate effectively with senior stakeholders and lead through influence in a highly matrixed organization.

Job responsibilities

• Set cross-portfolio spend and lending strategy, including initiative prioritization, sequencing, and expected impact.
• Own and drive the cross-portfolio capabilities roadmap (for example, engagement levers, rewards and redemption capabilities, features, user experience strategy, and servicing experiences), partnering with product and delivery teams from concept through launch.
• Apply strong understanding of profit and loss and unit economics to shape strategies for spend engagement, lending growth, messaging, and features.
• Develop a customer and segment point of view, including spend and revolving behaviors, rewards redemption patterns, and industry trends to inform priorities.
• Partner with risk and lending stakeholders on spend capacity and lending strategies, balancing growth objectives with performance and risk appetite.
• Build a test-and-learn agenda with analytics, risk, and finance; structure tests, synthesize results, and convert learnings into roadmap updates and scalable playbooks.
• Create and deliver materials for executive business reviews, clearly articulating strategy, progress against key performance indicators, risks and opportunities, and investment recommendations.
• Lead through influence by aligning stakeholders across functions, driving decision-making, and ensuring accountability to deliver outcomes against a multi-quarter roadmap.

Required qualifications, capabilities, and skills

• Ten or more years of experience in analytics, finance, strategy, product, or portfolio management.
• Strong understanding of customer insights, profit and loss dynamics, and credit card risk metrics (for example, loss rates, approvals, utilization, line management, and profitability drivers).
• Demonstrated ability to take a strategic idea from business case to roadmap to delivery to measurement, managing dependencies and tradeoffs.
• Exceptional stakeholder management, with proven success influencing outcomes in a highly matrixed environment.
• Excellent written and verbal communication skills, including executive-level storytelling and clear synthesis of complex analysis.
• Highly proactive and results-driven, with strong prioritization across multiple concurrent initiatives.
• Bachelor’s degree required.

Preferred qualifications, capabilities, and skills

• Experience in credit card portfolio management, marketing, and or lending.

Applicants must be authorized to work for any employer in the US. We are not able to provide immigration sponsorship or take over sponsorship of an employment visa at this time. Final job grade level and corporate title will be determined at time of offer and may differ from this posting.

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.

We offer a broad array of credit cards to meet the needs of individuals and small businesses, including Chase-branded and co-branded cards in partnership with well-known companies and organizations. Merchant Services is a leading provider of payment, fraud and data security for companies, capable of authorizing transactions across global currencies.