Associate - Credit Strategy - Chase Auto

Job responsibilities

• Assist with credit analysis and portfolio performance monitoring to help identify risk trends and shifts in key metrics.
• Support the development and maintenance of underwriting guidelines, policy documentation, and risk frameworks in line with business priorities.
• Prepare data-driven reports, presentations, and insights for credit leadership and cross-functional partners.
• Help evaluate credit exposures and recommend risk mitigation actions for standard credit scenarios, following established policies.
• Collaborate with Risk, Underwriting, and Finance teams to help operationalize credit strategy and improve decisioning processes.
• Participate in special projects related to credit strategy, portfolio optimization, and risk governance.
• Engage in ongoing learning and development to build expertise in credit strategy, risk models, and industry best practices.

Required Qualifications, Capabilities and Skills

• Bachelor’s degree in finance, economics, business, data analytics, or a related discipline.
• Minimum 6+ years of relevant experience in consumer credit, credit risk, portfolio analytics, underwriting, or related functions at a financial institution or credit analytics organization.
• Strong analytical skills with the ability to interpret data, identify trends, and support actionable conclusions.
• Basic understanding of consumer credit products, credit risk concepts, and portfolio performance drivers.
• Proficiency in Excel and quantitative tools 
• Effective written and verbal communication skills to present findings and recommendations to business partners.
• Team-oriented mindset and ability to work collaboratively in a fast-paced environment
• Curiosity and eagerness to learn about credit strategy, risk models, and industry best practices.

Preferred Qualifications, Capabilities and Skills

• Familiarity with SQL or visualization tools such as Tableau or Power BI