Credit Risk Associate Jobs in Texas (NOW HIRING)

Bring your expertise to JPMorganChase where you'll collaborate across business lines - including Risk, Underwriting, Finance, and Legal - to drive consistent application of risk standards, strengthen credit governance practices, and support sound credit decision-making.

As a Credit Strategy Senior Associate within the Chase Auto Credit Decisioning Unit, you'll work closely with credit leadership to analyze consumer credit performance, support strategic initiatives, and contribute to portfolio risk management. Reporting to the Credit Strategy leadership team, you'll apply your analytical strength and business judgment to monitor portfolio trends, recommend improvements and help translate strategy into action.

Job responsibilities

• Conduct credit analysis and portfolio performance monitoring to identify risk trends, metrics shifts, and early warning indicators.
• Support development and maintenance of underwriting guidelines, policy documentation, and risk frameworks aligned with risk appetite and business priorities.
• Prepare data-driven insights, reports, and presentations for credit leadership and cross-functional partners.
• Assist in evaluating credit exposures and recommending risk mitigation actions for complex credit scenarios, in alignment with established policies.
• Partner with Risk, Underwriting, and Finance teams to help operationalize credit strategy and enhance decisioning processes.
• Contribute to special projects related to credit strategy, portfolio optimization, and risk governance enhancements.
• Mentor and support less-experienced analysts through knowledge sharing and coaching.

Required Qualifications, Capabilities and Skills

• Bachelor's degree in finance, economics, business, data analytics, or a related discipline.
• Minimum 3 years of relevant experience in consumer credit, credit risk, portfolio analytics, underwriting, or related functions at a large financial institution or credit analytics organization.
• Strong analytical mindset with demonstrated ability to interpret data, identify trends, and draw actionable conclusions.
• Understanding of consumer credit products, credit risk concepts, and portfolio performance drivers.
• Proficiency in quantitative tools (e.g., Excel, SQL, analytical visualization tools such as Tableau, Power BI, or similar).
• Excellent written and verbal communication skills, with the ability to articulate findings and recommendations clearly to business partners.
• Collaborative mindset and ability to work effectively across teams in a fast-paced environment.
• Curiosity and eagerness to learn credit strategy, risk models and frameworks, and industry best practices.

Chase is a leading financial services firm, helping nearly half of America's households and small businesses achieve their financial goals through a broad range of financial products. Our mission is to create engaged, lifelong relationships and put our customers at the heart of everything we do. We also help small businesses, nonprofits and cities grow, delivering solutions to solve all their financial needs. 

We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions.  We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process. 

We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.

Equal Opportunity Employer/Disability/Veterans