Associate

About the Role

Collaborate with colleagues across Risk, Underwriting, Finance, and Legal to ensure consistent application of risk standards and support sound credit decision-making. As a Credit Strategy Associate within the Chase Auto Credit Decisioning Unit, support credit leadership in analyzing consumer credit performance, contributing to strategic initiatives, and assisting with portfolio risk management. Leverage analytical skills and business acumen to monitor portfolio trends, prepare reports, and help implement credit strategies.

Key Responsibilities

• Assist with credit analysis and portfolio performance monitoring to identify risk trends and shifts in key metrics.
• Support the development and maintenance of underwriting guidelines, policy documentation, and risk frameworks.
• Prepare data-driven reports, presentations, and insights for credit leadership and cross-functional partners.
• Evaluate credit exposures and recommend risk mitigation actions for standard credit scenarios, following established policies.
• Collaborate with Risk, Underwriting, and Finance teams to 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.

Requirements & Tech Stack

• Bachelor's degree in finance, economics, business, data analytics, or a related discipline.
• Minimum 2 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.
• Team-oriented mindset and ability to work collaboratively.
• Curiosity and eagerness to learn about credit strategy, risk models, and industry best practices.

Preferred Qualifications

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