Analytics Associate, Card Risk Management

Introductory Marketing Language: Help shape how Chase Card Services engages customers in moments that matter—responsibly, compliantly, and effectively. In this role, you’ll combine risk judgment with hands-on analytics to improve cures, recoveries, and customer outcomes across call, text/SMS, email, and letters. You’ll design test-and-learn programs, translate results into clear actions, and influence strategy at scale. Join Risk Management and Compliance and help keep JPMorganChase strong, resilient, and customer-centered. As an Analytics Associate, Card Risk Management in Chase Card Services, Risk Management and Compliance (Collections Risk Criteria Team), you will develop and execute customer outreach strategies across channels while building short-term and long-term analytics to measure performance, manage risk, and guide strategy decisions. You will design test-and-learn programs, define eligibility and targeting frameworks, monitor operational and customer impact, and deliver leadership-ready insights and recommendations. You will partner closely with Operations, Legal, Compliance, Product, Analytics, Technology, and Credit Strategy to ensure end-to-end execution within the firm’s risk appetite and regulatory expectations.

Develop multi-channel outreach strategies (call, text/SMS, email, letters) aligned to business objectives, customer experience, and risk appetite. Analyze short-term outreach performance to diagnose drivers, identify issues/opportunities, and recommend rapid iterations to improve outcomes. Build long-term measurement frameworks (KPIs, definitions, attribution, governance) that enable durable performance monitoring and roadmap decisions. Design test-and-learn experiments (segmentation, channel mix, cadence, messaging, timing) including hypotheses, success metrics, and evaluation plans. Execute experimentation measurement (test/control design, eligibility rules, operational feasibility checks) and synthesize results into actions. Optimize engagement, cures, recoveries, and cost-to-collect while balancing customer impact, operational constraints, and compliance requirements. Define eligibility and targeting criteria to ensure the right customers receive the right treatment at the right time, incorporating risk controls. Monitor KPIs such as contact rate, right-party contact, response rate, promise-to-pay, cure/roll rates, recovery dollars, complaints, opt-outs, and capacity impacts. Deliver recurring reporting and insights for senior management, highlighting trends, risks, tradeoffs, and recommended actions. Conduct risk assessments for regulatory, operational, customer harm, and reputational risks; implement mitigations and document controls. Collaborate cross-functionally to align strategy, execution, and governance across stakeholders and adapt to policy/regulatory changes. Required Qualifications, Capabilities, and Skills: Bachelor’s degree or equivalent relevant experience. Minimum 1+ years of experience in credit risk, collections/servicing strategy, controls, compliance, audit, or a related function within financial services. Minimum 1+ years of hands-on analytics experience supporting strategy decisions (short-term performance diagnosis and longer-term frameworks/automation). Demonstrated knowledge of the account lifecycle (portfolio management through collections/recovery) and associated risk considerations. Proven experience developing or optimizing outreach/channel strategies (segmentation, eligibility, cadence, messaging, channel mix, and timing). Ability to design and evaluate experiments (hypothesis development, success metrics, measurement methodology, and interpretation of results). Experience monitoring and explaining operational KPIs and translating them into actionable recommendations and governance decisions. Strong risk and control mindset, including identifying customer harm/compliance risks and implementing mitigations. Excellent stakeholder