Strategic Analytics - Cards Collections, Vice President

Location: Bengaluru, Karnataka, India

Job Family: Risk Analytics/Modeling

About the Role

At JP Morgan Chase, we are a leading global financial services firm with a strong emphasis on innovation and risk management. The Strategic Analytics - Cards Collections, Vice President role within our Consumer & Community Banking division is pivotal in driving data-informed strategies for credit card collections. Based in our state-of-the-art Bengaluru office, this position offers the opportunity to leverage cutting-edge analytics to enhance recovery processes, reduce delinquencies, and support sustainable growth in our consumer lending portfolio. As a Vice President, you will play a key role in a dynamic team that combines quantitative expertise with business acumen to navigate the complexities of the financial services landscape. In this role, you will spearhead the creation of sophisticated predictive models and analytics frameworks tailored to cards collections, utilizing vast datasets from customer interactions, payment histories, and economic indicators. You will collaborate closely with risk, product, and technology teams to translate insights into actionable strategies that optimize collections outcomes while ensuring compliance with global regulations such as those from the Reserve Bank of India and international standards. Your work will directly impact JP Morgan Chase's ability to manage credit risk effectively, fostering customer loyalty and contributing to the firm's reputation for responsible banking. We seek a strategic thinker with a passion for analytics in high-volume financial environments. This position not only demands technical prowess in tools like Python and machine learning but also the ability to influence senior stakeholders and lead transformative projects. Joining JP Morgan Chase means becoming part of a collaborative culture that values diversity, professional growth, and work-life integration, with opportunities to advance in one of the world's most influential financial institutions.

Key Responsibilities

• Lead the development and implementation of advanced analytics models for cards collections strategies, optimizing recovery rates and minimizing losses
• Analyze large datasets from credit card portfolios to identify trends, risk patterns, and opportunities for strategic interventions
• Collaborate with cross-functional teams including risk management, product, and operations to align analytics with business objectives at JP Morgan Chase
• Design and execute A/B testing frameworks to evaluate the effectiveness of collections tactics and recommend data-driven improvements
• Monitor and enhance predictive models for delinquency forecasting, incorporating macroeconomic factors and customer behavior data
• Provide strategic insights to senior leadership on portfolio performance, regulatory compliance, and emerging risks in the consumer banking sector
• Mentor junior analysts and foster a culture of innovation in risk analytics within the Bengaluru team
• Ensure all analytics practices adhere to JP Morgan's data governance standards and global regulatory requirements
• Develop dashboards and reporting tools using visualization software to communicate complex findings to non-technical stakeholders

Required Qualifications

• Bachelor's degree in Statistics, Mathematics, Economics, Finance, Computer Science, or a related quantitative field; advanced degree (Master's or PhD) preferred
• 8+ years of experience in risk analytics, modeling, or data science within the financial services industry, with a focus on credit risk or collections
• Proficiency in statistical modeling techniques including regression analysis, machine learning algorithms, and predictive modeling
• Strong experience with large-scale data analysis using SQL, Python, R, or SAS in a banking or fintech environment
• Demonstrated ability to lead cross-functional teams and manage complex analytics projects in a high-stakes financial setting
• In-depth knowledge of regulatory requirements such as Basel III, IFRS 9, and consumer credit regulations relevant to cards and collections
• Proven track record of delivering actionable insights that drive business decisions in risk management

Preferred Qualifications

• Experience in cards collections or consumer lending analytics at a major financial institution
• Certification in data science, risk management (e.g., FRM, PRM), or analytics (e.g., SAS Certified Advanced Analytics Professional)
• Familiarity with big data technologies like Hadoop, Spark, or cloud platforms (AWS, Azure) for handling financial datasets
• Prior exposure to JP Morgan Chase's risk management frameworks or similar enterprise-level systems
• Publication or presentation experience in financial analytics conferences or journals

Required Skills

• Advanced statistical modeling and machine learning (e.g., logistic regression, random forests, neural networks)
• Proficiency in programming languages: Python, R, SQL for data manipulation and analysis
• Data visualization tools: Tableau, Power BI for creating executive-level reports
• Big data handling: Experience with Hadoop, Spark, or ETL processes in financial datasets
• Risk assessment and credit scoring methodologies specific to consumer lending
• Project management: Agile/Scrum methodologies for leading analytics initiatives
• Communication: Translating complex data insights into business recommendations
• Problem-solving: Analytical thinking to address ambiguous challenges in collections optimization
• Regulatory knowledge: Understanding of financial compliance standards like GDPR and RBI guidelines
• Team leadership: Mentoring and collaborating in multicultural, global teams
• Time management: Prioritizing tasks in fast-paced banking environments
• Attention to detail: Ensuring accuracy in model validation and data integrity
• Innovation: Applying emerging AI techniques to traditional risk analytics
• Stakeholder engagement: Building relationships across finance, tech, and operations
• Ethical decision-making: Upholding JP Morgan's standards in data privacy and bias mitigation

Benefits

• Competitive base salary and performance-based annual bonuses aligned with JP Morgan Chase's compensation philosophy
• Comprehensive health insurance coverage including medical, dental, and vision plans for employees and dependents
• Retirement savings plan with generous company matching contributions to support long-term financial security
• Paid time off including vacation, sick leave, and parental leave to promote work-life balance
• Professional development opportunities through JP Morgan's internal training programs and tuition reimbursement
• Employee stock purchase plan and other financial wellness benefits tailored to the financial services industry
• On-site wellness programs, gym access, and mental health support resources in the Bengaluru office
• Global mobility options and career advancement pathways within JP Morgan Chase's international network

JP Morgan Chase is an equal opportunity employer.