Analytics Associate, Card Risk Management

Introductory Marketing Language:
Help shape how Chase Card Services engages customers in moments that matter-responsibly, compliantly, and effectively.

In this role, you'll combine risk judgment with hands-on analytics to improve cures, recoveries, and customer outcomes across call, text/SMS, email, and letters.

You'll design test-and-learn programs, translate results into clear actions, and influence strategy at scale.

Join Risk Management and Compliance and help keep JPMorganChase strong, resilient, and customer-centered.

As an Analytics Associate, Card Risk Management in Chase Card Services, Risk Management and Compliance (Collections Risk Criteria Team), you will develop and execute customer outreach strategies across channels while building short-term and long-term analytics to measure performance, manage risk, and guide strategy decisions.
You will design test-and-learn programs, define eligibility and targeting frameworks, monitor operational and customer impact, and deliver leadership-ready insights and recommendations.

You will partner closely with Operations, Legal, Compliance, Product, Analytics, Technology, and Credit Strategy to ensure end-to-end execution within the firm's risk appetite and regulatory expectations.

Job Responsibilities:


* Develop multi-channel outreach strategies (call, text/SMS, email, letters) aligned to business objectives, customer experience, and risk appetite.


* Analyze short-term outreach performance to diagnose drivers, identify issues/opportunities, and recommend rapid iterations to improve outcomes.


* Build long-term measurement frameworks (KPIs, definitions, attribution, governance) that enable durable performance monitoring and roadmap decisions.


* Design test-and-learn experiments (segmentation, channel mix, cadence, messaging, timing) including hypotheses, success metrics, and evaluation plans.


* Execute experimentation measurement (test/control design, eligibility rules, operational feasibility checks) and synthesize results into actions.


* Optimize engagement, cures, recoveries, and cost-to-collect while balancing customer impact, operational constraints, and compliance requirements.


* Define eligibility and targeting criteria to ensure the right customers receive the right treatment at the right time, incorporating risk controls.


* Monitor KPIs such as contact rate, right-party contact, response rate, promise-to-pay, cure/roll rates, recovery dollars, complaints, opt-outs, and capacity impacts.


* Deliver recurring reporting and insights for senior management, highlighting trends, risks, tradeoffs, and recommended actions.


* Conduct risk assessments for regulatory, operational, customer harm, and reputational risks; implement mitigations and document controls.


* Collaborate cross-functionally to align strategy, execution, and governance across stakeholders and adapt to policy/regulatory changes.

Required Qualifications, Capabilities, and Sk...