JPMorgan Card Portfolio Balance Transfer Strategy - Senior Associate 

United States, Delaware, Wilmington 

573567791

Description for Internal Candidates

As a Senior Associate in the Card Portfolio Balance Transfer Strategy team within the Credit Decisioning Unit, you will play a key role in managing, optimizing, and promoting insights for our balance transfer initiatives. You will support the end-to-end management of the balance transfer program, conduct deep-dive data analysis, perform competitive intelligence, develop reporting dashboards, partner with cross-functional teams, assist in forecasting, and contribute to program governance enhancement.

Job responsibilities

• Support the end-to-end management of the balance transfer program, including offer experimentation, testing, and optimization, focusing on fee, APR, and term, and performance tracking.
• Conduct deep-dive data analysis to assess program effectiveness, identify trends & growth opportunities, and provide actionable recommendations.
• Perform competitive intelligence and benchmarking to monitor peer activity, industry trends, and potential opportunities.
• Develop and maintain reporting dashboards and tools to support visibility and transparency of balance transfer performance.
• Partner with cross-functional teams including Product, Marketing, Risk, Finance, and Analytics to align on objectives and ensure executional excellence.
• Assist in forecasting and scenario planning related to balance transfer volume, profitability/P&L, and credit performance.
• Contribute to the enhancement of program governance through documentation, controls, and issue management support.

Required qualifications, capabilities, and skills

• Strong analytical mindset with a demonstrated ability to analyze large data sets and distill insights into clear, actionable outcomes.
• High proficiency in Excel and data visualization tools (e.g., Tableau, Alteryx); experience with SQL and/or SAAS a strong plus.
• Ability to synthesize qualitative inputs with quantitative findings to form holistic insights.
• Solid understanding of consumer credit products, balance transfer strategies, and lending economics.
• Exceptional attention to detail and organizational skills, with the ability to manage multiple workstreams simultaneously.
• Strong communication and presentation skills with the ability to influence stakeholders at various levels.