Job Description

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.

As part of the CCB Home Lending Risk Management Strategic Analytics team, you will be responsible for performing analysis and maintaining risk surveillance to support Home Loan Originations. You will be responsible for building and managing cross-functional relationships to support both risk and business stakeholders in their policy, capital market and product indicatives, and for providing leadership in mentoring and training other team members.

The ideal candidate will be a creative thinker, effective problem solver with a strong passion for high performance and accuracy, while being a team player. Must be self-motivated and able use appropriate analysis, judgment, logic, and communication methods when solving problems and making decisions. In addition, the candidate should have a strong foundation in analytics and good understanding of the mortgage origination process and credit risk management.

This role reports into the head of Home Lending Risk Originations Strategic Analytics and Reporting.

Responsibilities:

Strategic Analytics and Reporting:

* Research into new business initiatives and business strategies, with the ability to use data to make analytic recommendations
* Monitor for and react to emerging risks within the home lending business. Partner with similar teams across the firm in other consumer products to share emerging risk concerns.
* Assist in capital markets projects, including the acquisition of loan pools.
* Develop and monitor the analytical tools by which the expected performance and profitability of our lending guidelines can be set against management risk tolerances useful in making strategic decisions in areas to expand or contract Chases buybox.
* Develop, maintain, monitor, and provide value-add commentary on standard reporting packages that cover new loan production, exceptions, key risk metrics, benchmark performance, early warning triggers, and etc. seeking opportunities to refine or improve our product offering through the use of data and judgment.

Leadership:

* Provide mentoring to the junior team members to properly detect, analyze, summarize and escalate unexpected trends in the data to senior management.
* Strong communicator with the ability to convey complex ideas to teammates as well as present the teams findings to senior management in a clear and concise way.
* Create effective PowerPoint presentations that will drive business processes and initiatives

Technical:

* Understand analytical and data management tools, such as SAS and SQL, to be able to properly set expectations for work assigned to the team, and provide coaching on improving our analytic capabilities.
* Maintain thorough understanding of data and information resources; and investigate, troubleshoot and assist with providing data issue resolutions when needed
* Follow and enhance required control protocols (e.g., documentation)

Qualifications:

* Bachelor's degree in a quantitative discipline (e.g., Finance, Statistics, Economics, Mathematics, Computer Science, etc.) is required. Post graduate degrees in similar disciplines a plus.
* 7+ years of professional experience in the financial industry or data manipulation/analysis/reporting
* 5+ years of SAS or SQL hands-on experience in coding and analysis
* Experience and knowledge of Mortgage Business and Products, and Originations Risk Management
* Strong analytical and quantitative skills, critical thinking, investigative problem-solving and decision making
* Knowledge of and prior experience with linear/logistic regressions, decision trees and/or other analytical techniques preferred as well as experience with model governance
* Strong organizational skills to proactively manage their own book of work
* Effective time management skills to handle competing priorities appropriately and meet tight deadlines
* Excellent verbal and written communication skills, and be able to create effective PowerPoint presentations
* Capable of working both independently and as a contributing team member, to meet team and department goals with a strict timeline
* Advanced knowledge of MS Office required (Excel, PowerPoint, Word, Outlook)