Associate - Credit Strategy - Chase Auto

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.

Job Responsibilities

• Analyze consumer and dealer/channel credit performance to identify key drivers of approval rate, booked volume, loss rate (incl. early loss), and profitability; translate findings into strategy recommendations.
• Build, refine, and maintain credit decisioning strategies (policy rules, cutoffs, segmentation) with a clear view of risk–growth–P&L trade-offs.
• Design and support test-and-learn / challenger strategies to measure incremental impact, document assumptions, and recommend scale/rollback decisions.
• Support credit policy execution and governance by maintaining underwriting guidelines, decisioning logic documentation, and risk control frameworks aligned to business priorities.
• Partner cross-functionally (Risk, Underwriting, Finance, Product, Ops, Tech) to implement strategy changes in decisioning workflows/systems and track outcomes to targeted portfolio metrics.
• Monitor portfolio and dealer/channel trends for emerging risks (mix shifts, dealer behavior, macro impacts) and recommend mitigation actions consistent with risk appetite.
• Communicate insights and proposals to US stakeholders with clear, structured narratives and defensible analytical support.
• Contribute to special projects related to portfolio optimization, decisioning process improvement, and strategic initiatives.

Required Qualifications, Capabilities and Skills 

4–7 years of experience in retail/auto credit decisioning, underwriting, or credit policy execution (bank/fintech/credit analytics organization).

• Hands-on Python and SQL skills (comfortable with data pulls, joins/aggregations, basic analytics, and synthesizing results into recommendations).
• Strong understanding of consumer credit risk concepts and how underwriting/decisioning changes impact portfolio outcomes (approval rate vs loss rate vs growth/profitability).
• Strong logical reasoning and structured problem solving; able to make clear assumptions and produce defensible decisions.
• Excellent written and verbal communication; able to work directly with US-based stakeholders and operate effectively across time zones.
• Team-oriented, able to work in a fast-paced environment with multiple stakeholders.

Preferred Qualifications, Capabilities and Skills 

• Experience with decisioning engines / rules-based platforms (any), rule governance, and operationalizing policy changes.
• Experience running challenger rules/testing, experimentation frameworks, or structured “test-and-learn” programs.
• Familiarity with portfolio monitoring approaches (vintage/cohort analysis, roll rates, early delinquency indicators, segmentation performance).
• Prior experience in fintech/banking environments or a statistics/quant background.
• Proven stakeholder management across time zones; ability to write crisp updates and decision memos.