Connected Commerce Alternate Lending Risk Associate

Help build and scale the next generation of digital-first lending at JPMorganChase.

In this role, you'll directly own and optimize risk strategies that balance growth, customer experience, and sound risk management.

You'll use advanced analytics to uncover insights, influence strategy, and deliver measurable business outcomes.

If you enjoy solving ambiguous problems and partnering across teams to ship real solutions, this role offers high visibility and impact.

As a Connected Commerce Alternate Lending Risk Associate in Connected Commerce Alternate Lending Risk Strategy, you lead strategy development and ongoing optimization for unsecured installment lending products, including Chase Pay in 4.
You will own key elements of segmentation, targeting, and performance monitoring, applying quantitative analysis to improve profitability, credit outcomes, and customer experience.

You'll also partner with technical and business stakeholders to translate analytical insights into rules, automation, controls, and scalable execution-while supporting regulatory and policy alignment.

Job Responsibilities:


* Develop unsecured installment lending risk strategies using quantitative analysis (e.g., SAS, SQL) to improve performance, customer experience, and execution quality


* Analyze portfolio performance to identify trends, risks, and opportunities across segments, channels, and strategies


* Design segmentation and targeting approaches to optimize approvals, losses, customer outcomes, and profitability


* Create forward-looking analytics and recommendations to address business issues and anticipate emerging risks


* Forecast impacts of strategy and mix changes; guide business partners through adjustments based on expected outcomes


* Translate strategy intent into clear requirements for rules engines and automated decisioning; partner with technical teams on implementation


* Build monitoring and reporting to track strategy health, segment performance, and operational execution


* Maintain comprehensive controls to ensure processes execute as designed and comply with internal standards


* Investigate anomalies and performance changes; perform root-cause analysis and implement corrective actions


* Prepare written presentations and communicate insights, findings, and recommendations to senior leaders


* Support adherence to regulations and alignment with Risk Policy and established procedures

Required Qualifications, Capabilities, and Skills:


* Minimum 3 years of experience in risk management and/or financial services (credit risk, lending, analytics, strategy, or related)


* Bachelor's degree in a quantitative discipline (e.g., Statistics, Economics, Finance or similar) or equivalent practical experience


* Hands-on experience using SAS and/or SQL for data extraction, analysis, and performance monitoring (other languages considered)


* Strong proficiency in Excel and ability to synthesize results...