Consumer and Community Banking - Credit Decisioning Unit - Vice President

Location: Columbus, OH, United States

Job Family: Credit Risk

About the Role

At JP Morgan Chase, we are building the future of banking through innovation, integrity, and client focus. As a Vice President in the Consumer and Community Banking - Credit Decisioning Unit, you will play a pivotal role in our newly established first-line credit function. Based in Columbus, OH, this position is at the heart of our efforts to deliver responsible, efficient credit solutions to millions of consumers across the United States. You will lead a dynamic team responsible for high-volume credit decisions on products like credit cards, mortgages, and auto loans, ensuring that every decision aligns with our risk appetite, regulatory standards, and commitment to financial inclusion. This role offers the opportunity to influence strategic credit initiatives in one of the world's largest financial institutions, where your expertise will directly impact portfolio performance and customer satisfaction. In this leadership position within the Credit Risk category, you will oversee the development and execution of credit decisioning strategies that balance growth with prudent risk management. Collaborating with cross-functional teams including data scientists, compliance officers, and business leaders, you will leverage advanced analytics to refine models, automate processes, and mitigate potential losses. Your work will involve monitoring economic indicators, assessing portfolio health, and driving continuous improvements to our decisioning frameworks. At JP Morgan Chase, we value diverse perspectives and encourage innovative approaches to tackle complex challenges in consumer lending, making this an ideal role for a seasoned professional passionate about the intersection of finance, technology, and community impact. Joining JP Morgan Chase means becoming part of a global leader dedicated to empowering economic progress. We offer unparalleled resources for professional growth, a collaborative culture, and the chance to contribute to initiatives that serve underserved communities in Columbus and beyond. If you have a proven track record in credit risk and a vision for transforming consumer banking, this Vice President role is your opportunity to lead with purpose and drive meaningful change.

Key Responsibilities

• Lead the Credit Decisioning Unit within the first-line credit function, overseeing end-to-end credit approval processes for consumer products
• Develop and implement credit policies, guidelines, and risk appetite frameworks to support JP Morgan Chase's Consumer and Community Banking objectives
• Analyze credit portfolios to identify emerging risks, trends, and opportunities, providing actionable insights to senior leadership
• Collaborate with second-line risk teams, compliance, and business units to ensure adherence to regulatory standards and internal controls
• Mentor and manage a team of credit analysts and decisioners, fostering a culture of excellence and innovation in risk management
• Utilize advanced analytics and data tools to enhance decisioning accuracy, reduce default rates, and optimize portfolio performance
• Drive initiatives for process improvements, including automation of credit workflows and integration of new technologies
• Monitor key performance metrics such as approval rates, loss rates, and portfolio health, reporting to executive stakeholders
• Support community banking efforts by ensuring credit decisions align with inclusive lending practices and local market needs
• Contribute to strategic planning for credit risk in response to economic shifts and market conditions

Required Qualifications

• Bachelor's degree in Finance, Business Administration, Economics, or a related field
• Minimum of 8-10 years of experience in credit risk management, underwriting, or decisioning within consumer banking
• Proven track record in leading credit decisioning teams in a first-line risk function at a major financial institution
• Deep knowledge of consumer lending products, including mortgages, credit cards, auto loans, and personal loans
• Strong understanding of regulatory requirements such as Basel III, Dodd-Frank, and fair lending laws
• Experience with credit scoring models, portfolio analytics, and risk assessment tools
• Ability to thrive in a fast-paced, high-stakes environment with a focus on compliance and risk mitigation

Preferred Qualifications

• Advanced degree (MBA or Master's in Finance) or relevant certifications like CFA or FRM
• Prior experience at a large bank like JP Morgan Chase in consumer and community banking
• Expertise in implementing AI-driven credit decisioning systems or machine learning models for risk prediction
• Demonstrated leadership in cross-functional teams involving data analytics and business strategy
• Familiarity with Columbus, OH market dynamics and community banking initiatives

Required Skills

• Credit risk assessment and underwriting
• Regulatory compliance and reporting
• Data analytics and statistical modeling
• Leadership and team management
• Financial modeling and forecasting
• Problem-solving and decision-making
• Communication and stakeholder engagement
• Knowledge of consumer banking products
• Portfolio management and risk mitigation
• Proficiency in tools like SQL, Python, or SAS for data analysis
• Strategic thinking and business acumen
• Attention to detail and accuracy
• Adaptability to changing regulations
• Project management and process optimization
• Ethical judgment in high-pressure scenarios

Benefits

• Competitive base salary and performance-based annual bonuses
• Comprehensive health, dental, and vision insurance plans
• 401(k) retirement savings plan with generous company matching
• Paid time off, including vacation, sick days, and parental leave
• Professional development programs, including tuition reimbursement and leadership training
• Employee stock purchase plan and financial wellness resources
• On-site fitness centers and wellness programs at JP Morgan Chase facilities
• Flexible work arrangements and hybrid options in Columbus, OH

JP Morgan Chase is an equal opportunity employer.