VP, Small Business- Card Rewards Product Lead

Location: New York, NY, United States

Job Family: Marketing Strategy

About the Role

At JP Morgan Chase, we are at the forefront of redefining financial services for small businesses, empowering entrepreneurs with innovative tools to thrive. As the VP, Small Business - Card Rewards Product Lead, you will spearhead the strategy and management of our small business rewards card portfolio. This role is pivotal in driving growth, enhancing customer experiences, and optimizing the overall product offering within our Commercial Banking division. Based in our dynamic New York, NY office, you will collaborate with elite teams to deliver rewards programs that resonate with small business owners, fostering loyalty and increasing card usage in a competitive market. Your primary focus will be on crafting a compelling rewards ecosystem that addresses the unique needs of small businesses, from cash back on everyday expenses to tailored perks for growth-oriented spending. You will leverage data insights to refine program features, ensuring alignment with JP Morgan Chase's commitment to sustainable profitability and risk management. By partnering with marketing, technology, and compliance experts, you will innovate on personalization and digital integration, positioning our card as the go-to solution for SMB financing. This role demands a strategic mindset to navigate industry regulations and capitalize on fintech trends, ultimately contributing to our mission of being the world's leading financial institution for small businesses. Success in this position requires a blend of visionary leadership and hands-on execution, where you will measure impact through key metrics like customer acquisition rates, engagement levels, and portfolio ROI. Join JP Morgan Chase to shape the future of small business banking, where your expertise will drive meaningful value for clients and the firm alike. This is an opportunity to lead transformative initiatives in a supportive, high-impact environment dedicated to excellence and innovation.

Key Responsibilities

• Develop and execute the overall strategy for the small business rewards card product, aligning with JP Morgan Chase's broader commercial banking goals
• Drive customer acquisition, retention, and engagement through innovative rewards programs tailored to small business needs
• Optimize the rewards portfolio by analyzing performance metrics, profitability, and customer feedback to enhance value proposition
• Collaborate with marketing, product, risk, and technology teams to launch new features and ensure seamless customer experiences
• Monitor competitive landscape and industry trends to identify opportunities for differentiation in the small business card market
• Lead cross-functional initiatives to improve customer satisfaction scores and Net Promoter Score (NPS) for the rewards program
• Conduct market research and A/B testing to refine rewards structures, ensuring they drive usage and loyalty among SMB clients
• Partner with sales and distribution teams to promote the product within JP Morgan Chase's small business ecosystem
• Manage budget and P&L for the rewards product, focusing on ROI and long-term growth
• Ensure compliance with regulatory standards and internal policies in all product development activities

Required Qualifications

• Bachelor's degree in Business, Finance, Marketing, or a related field; MBA or advanced degree preferred
• 8+ years of experience in product management, marketing strategy, or rewards programs within financial services
• Proven track record in driving growth for consumer or small business credit card products
• Deep understanding of small business customer needs and competitive landscape in the payments industry
• Experience with portfolio optimization, including risk management and profitability analysis
• Strong analytical skills with proficiency in data-driven decision making
• Ability to collaborate across cross-functional teams in a large financial institution

Preferred Qualifications

• Experience at a major bank or fintech company like JP Morgan Chase, focusing on card rewards or loyalty programs
• Knowledge of regulatory requirements in consumer finance and small business lending
• Background in digital marketing and customer experience design for financial products
• Prior leadership role in launching or scaling rewards initiatives for SMBs
• Familiarity with emerging trends in fintech, such as embedded finance and personalized rewards

Required Skills

• Product strategy and roadmap development
• Market analysis and competitive intelligence
• Customer experience (CX) optimization
• Data analytics and visualization tools (e.g., SQL, Tableau)
• Financial modeling and P&L management
• Project management and agile methodologies
• Cross-functional leadership and stakeholder management
• Digital marketing and CRM systems (e.g., Salesforce)
• Risk assessment in financial products
• Strategic thinking and problem-solving
• Communication and presentation skills
• Knowledge of credit card regulations (e.g., Reg Z, FCRA)
• Innovation in rewards and loyalty programs
• Business acumen in small business finance
• Adaptability to fast-paced financial services environment

Benefits

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

JP Morgan Chase is an equal opportunity employer.