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CCB-Risk-Card Digital Recovery Strategy-Associate

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Job Details
Job Order Number
Company Name
JPMorgan Chase
Physical Address

Wilmington, DE 19806
Job Description

CCB Risk – Digital Recovery Strategy – Associate- Wilmington, DE

JPMorgan Chase & Co. (NYSE: JPM) is a leading global financial services firm with operations worldwide. The firm is a leader in investment banking, financial services for consumers and small business, commercial banking, financial transaction processing, and asset management. A component of the Dow Jones Industrial Average, JPMorgan Chase & Co. serves millions of consumers in the United States and many of the world’s most prominent corporate, institutional and government clients under its J.P. Morgan and Chase brands. Information about JPMorgan Chase & Co. is available at

Our Firmwide Risk Function is focused on cultivating a stronger, unified culture that embraces a sense of personal accountability for developing the highest corporate standards in governance and controls across the firm. Business priorities are built around the need to strengthen and guard the firm from the many risks we face, financial rigor, risk discipline, fostering a transparent culture and doing the right thing in every situation. We are equally focused on nurturing talent, respecting the diverse experiences that our team of Risk professionals bring and embracing an inclusive environment.

CCB Risk

Chase Consumer & Community Banking (CCB) serves consumers and small businesses with a broad range of financial services, including personal banking, small business banking and lending, mortgages, credit cards, payments, auto finance and investment advice. Consumer & Community Banking Risk Management partners with each CCB sub-line of business to identify, assess, prioritize and remediate risk. Types of risk that occur in consumer businesses include fraud, reputation, operational, credit, market and regulatory, among others.

CCB Risk Collections Strategy

As part of the Card Collections Strategy team, the Associate, Digital Recovery Strategy position is responsible for driving the end to end collections strategies and performance for digital and written communication channels, including online/mobile, email, SMS/text and letters. This will include but is not limited to determining functionality, communication and messaging strategies, offers, controls and portfolio monitoring/tracking. This role requires strong thought leadership, analytical skills, collaboration, and attention to detail in order to effectively drive loss mitigation in collections.

Key Responsibilities:

+ Design and manage strategies for Card Recovery portfolio with objective of maximizing long-term net liquidation (net of costs to recover).

+ Optimize recovery strategies within and across all digital and written communication channels including online/mobile, email, SMS/text and letters

+ Design, implement, track and report on new strategies in a test vs. control environment

+ Create thoughtful analytics to address business issues and be able to independently generate forward-looking solutions

+ Utilize SAS, SQL, Oracle and MS Office analysis tools to complete analysis requirements

+ Partner closely with Operations, Technology, Digital and Risk leadership teams to ensure that all priorities are aligned to maximize bottom line impact, deliver a great customer experience and to challenge the ways things are being done

+ Conduct financial analysis to estimate benefits and costs and develop detailed business plans for proposed projects.

+ Monitor emerging trends in collections treatment and technology across the industry

+ Assure regulatory and policy compliance through a system of effective controls, identifying, testing, and validating control effectiveness and delivering accurate audit work papers when required

+ Work with operations partners and leaders to ensure any new developments will be deliverable and executable in an Operations environment.


+ 1-2 years of risk management or financial services experience

+ Strong written and verbal communication skills

+ Data mining skills, specifically: SAS, SQL, Excel, Microsoft Office, and database software applications

+ High degree of creativity and possess disciplined analytic and strong problem solving skills

+ Flexible and able to handle multiple tasks in a fast paced changing environment

+ Independent decision making skills

+ Bachelor’s Degree (MS or MBA preferred) with preferred concentrations in Math, Finance, Statistics, Economics, 4-5 years analytical experience; credit card or prior financial services experience preferred

+ Strong problem solving and analysis skills

+ Demonstrated experience in applying analytics to efficiently and pragmatically solve business problems through structured problem solving approaches

+ Strong presentation skills, must be able to effectively communicate proposed changes through formal presentation

JPMorgan Chase is an equal opportunity and affirmative action employer Disability/Veteran.

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