Entry Level Credit Risk Analyst Jobs in Philadelphia, PA

Join a high-impact team where you can combine analytics, strategy, and execution to improve how customers access and use credit. You'll partner across teams to deliver innovative financing offers that support responsible growth.

As a Senior Associate in Credit Products Strategy, you will support the end-to-end strategy and execution of promotional financing and lending offers across a credit card portfolio. You will use data and business judgment to evaluate opportunities, monitor performance, and drive improvements that strengthen customer outcomes and portfolio profitability. You will collaborate closely with partners across product, marketing, analytics, risk, finance, legal, compliance, and operations to deliver measurable results.

Job responsibilities

• Support the design and optimization of promotional financing and lending offer strategies across a credit card portfolio
• Analyze offer performance and customer behavior to identify opportunities to improve engagement, profitability, and growth
• Partner with analytics, risk, finance, and marketing teams to assess pricing, portfolio performance, and business impact
• Build business cases, financial analyses, and clear recommendations to inform strategy and product decisions
• Drive cross-functional initiatives from concept through implementation, ensuring stakeholder alignment and strong execution
• Support new offer and product launches, including planning, readiness, and post-launch performance measurement
• Prepare clear, executive-ready materials and present insights in leadership reviews and business updates
• Define success metrics, track key performance indicators, and translate results into actionable next steps
• Maintain strong governance and control practices in partnership with legal, risk, compliance, and audit stakeholders

Required qualifications, capabilities, and skills

• 2 years of experience in strategy, product management, marketing, business management, consulting, analytics, or financial services
• Demonstrated analytical and problem-solving skills, using data to drive decisions and recommendations
• Proven ability to manage cross-functional initiatives and influence stakeholders in a matrixed organization
• Strong verbal and written communication skills, including experience presenting to senior leaders
• Strong organizational and project management skills with a track record of delivering results

Preferred qualifications, capabilities, and skills

• Experience in consumer lending, credit cards, promotional financing, pricing, or portfolio strategy
• Understanding of credit card economics and profit and loss (P&L) drivers
• Experience supporting annual percentage rate (APR) or other pricing-related strategies
• Experience developing business cases, financial models, and performance reporting
• Customer-focused mindset with interest in improving customer experiences through responsible credit solutions
• Ability to balance strategic thinking with operational execution and attention to detail
• Experience partnering with risk, compliance, and legal teams in a regulated environment

Applicants must be authorized to work for any employer in the US. We are not able to provide immigration sponsorship or take over sponsorship of an employment visa at this time. Final job grade level and corporate title will be determined at time of offer and may differ from this posting.

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

Our Consumer & Community Banking division serves our Chase customers through a range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. We're proud to lead the U.S. in credit card sales and deposit growth and have the most-used digital solutions - all while ranking first in customer satisfaction.