Credit Ops Manager III

Location: Wilmington, DE, United States

Job Family: Credit Operations

About the Role

At JPMorgan Chase, we are at the forefront of financial innovation, and our Credit Operations team plays a pivotal role in managing credit risk for one of the world's largest banks. As a Credit Operations Manager III in Wilmington, DE, you will lead a dynamic team responsible for executing high-quality credit processes that support our commercial and consumer banking divisions. This role offers the opportunity to drive operational excellence, implement cutting-edge risk management strategies, and contribute to the firm's commitment to responsible lending practices in a collaborative, high-impact environment. In this position, you will oversee daily credit operations, from initial application intake to final approval, ensuring seamless integration with broader risk and compliance functions. You will mentor and develop talent within your team, fostering a culture of innovation and accountability while navigating complex regulatory landscapes such as those governed by the OCC and CFPB. By leveraging advanced analytics and automation, you will identify opportunities to enhance efficiency, reduce operational risks, and support JPMorgan Chase's goal of delivering superior client experiences in the competitive financial services industry. Joining JPMorgan Chase means becoming part of a global leader with a legacy of excellence in banking. This role is ideal for a seasoned professional passionate about credit operations who thrives in a fast-paced setting and is eager to influence strategic initiatives. With access to world-class resources and career growth opportunities, you will help shape the future of credit risk management at a firm that values integrity, innovation, and inclusion.

Key Responsibilities

• Lead a team of credit operations professionals, providing guidance, coaching, and performance management to ensure high productivity and adherence to standards
• Oversee end-to-end credit processing workflows, including application review, risk assessment, and approval decisions for commercial and consumer lending products
• Develop and implement strategies to mitigate credit risk while optimizing operational efficiency in alignment with JPMorgan Chase's risk management framework
• Collaborate with cross-functional stakeholders such as underwriting, compliance, and technology teams to enhance credit operations processes
• Monitor key performance indicators (KPIs) and implement continuous improvement initiatives to reduce turnaround times and error rates
• Ensure compliance with federal and state regulations, internal policies, and audit requirements in all credit operations activities
• Drive innovation by leveraging data analytics and automation tools to streamline credit decisioning and reporting
• Manage vendor relationships and third-party integrations for credit operations systems
• Conduct training programs and foster a culture of risk awareness and operational excellence within the team
• Prepare and present reports on credit portfolio performance to senior leadership

Required Qualifications

• Bachelor's degree in Finance, Business Administration, or a related field
• Minimum of 7-10 years of experience in credit operations or risk management within the financial services industry
• Proven leadership experience managing teams in a high-volume credit processing environment
• Strong understanding of credit risk assessment, regulatory compliance, and banking operations
• Experience with credit systems and tools such as loan origination platforms and risk modeling software
• Ability to analyze complex financial data and make data-driven decisions
• Knowledge of U.S. banking regulations including Basel III, Dodd-Frank, and fair lending practices

Preferred Qualifications

• Advanced degree (MBA or Master's in Finance) or relevant certifications like CFA or FRM
• Prior experience at a major financial institution like JPMorgan Chase
• Demonstrated success in process improvement and operational efficiency initiatives
• Familiarity with agile methodologies and digital transformation in credit operations
• Experience leading cross-functional teams in a global banking environment

Required Skills

• Leadership and team management
• Credit risk analysis and assessment
• Regulatory compliance knowledge
• Process optimization and lean methodologies
• Data analytics and reporting tools (e.g., SQL, Excel, Tableau)
• Financial modeling and forecasting
• Project management
• Communication and stakeholder engagement
• Problem-solving and decision-making
• Attention to detail and accuracy
• Adaptability to fast-paced environments
• Knowledge of credit systems (e.g., ACBS, nCino)
• Risk management frameworks
• Agile and scrum practices
• Vendor and contract management

Benefits

• Competitive base salary and performance-based annual bonuses
• Comprehensive health, dental, and vision insurance plans
• 401(k) retirement savings plan with company matching contributions
• Generous paid time off, including vacation, sick days, and parental leave
• Professional development opportunities through JPMorgan Chase's internal training programs and tuition reimbursement
• Employee stock purchase plan and financial wellness resources
• On-site fitness centers, wellness programs, and mental health support
• Flexible work arrangements and commuter benefits for Wilmington, DE location

JP Morgan Chase is an equal opportunity employer.