ICB Risk Oversight & Insights

Join International Consumer Banking (ICB) Risk Oversight and help shape how we understand and respond to the changing credit and consumer lending environment. As Vice President for Credit Risk Oversight & Insights, you will bring together external market intelligence, portfolio analysis, regulatory developments and customer outcomes to help senior leaders make informed decisions. You will represent Risk Oversight in relevant industry discussions and work across Risk and partner teams to strengthen oversight, challenge and strategic insight.

As a Vice President in International Consumer Banking (ICB) Risk Oversight, you will own credit, consumer and external market insights that help the CRO and Leadership Team understand the landscape in which ICB lending operates. Your remit will span credit risk, fraud, collections, consumer behaviour, competitor activity, regulatory change, benchmarking and emerging risks, with a focus on their implications for customers, portfolio performance and lending strategy.

You will serve as the main Risk Oversight point of contact for relevant external engagement, including industry forums, trade body activity, regulatory discussions, vendor sessions and peer engagement. You will coordinate ICB Risk participation, represent the firm where appropriate, and bring external themes and insights back to the organization in a structured, actionable way.

Working closely with Credit Risk, Fraud, Collections, Forecasting, Regulatory Affairs, Government Relations, Complaints, Legal, Compliance and firmwide Risk partners, you will connect external developments with internal portfolio performance and oversight priorities. You will also provide oversight and challenge of lending mandates, manual underwriting, customer outcomes, product and strategy changes, and relevant commercial and strategic initiatives.

Job Responsibilities

• Establish a regular market-insight and horizon-scanning process, including a monthly forum/publication, to give senior leaders a forward-looking view of trends, threats and developments affecting ICB lending, risk, customer outcomes and regulatory expectations.
• Own the external engagement calendar across credit risk, fraud, collections, consumer lending and the UK/EU lending market. Coordinate ICB Risk attendance, attend key forums, represent the firm where appropriate, and maintain relationships with industry bodies, peer firms, vendors and relevant internal stakeholders.
• Analyze market, consumer, credit bureau, public, macroeconomic and internal portfolio data to assess borrowing, spending, product usage, balances, arrears, delinquencies, score distributions, collections performance and wider consumer behaviour. Partner with Credit Risk and Forecasting teams to connect external trends to portfolio performance and oversight priorities.
• Monitor regulatory and policy developments in partnership with Regulatory Affairs, Government Relations and industry bodies. Assess potential impacts, inform the CRO and Leadership Team, support impact analysis with 1LOD and other teams, and coordinate Risk input into advocacy, consultation responses and JPMorganChase positioning where relevant.
• Benchmark performance against industry, competitors and wider market trends, including loss rates, delinquency, collections roll rates, recoveries, customer outcomes and product performance. Review competitor offerings and market developments to identify where ICB is aligned with, ahead of or different from the market.
• Assess ICB lending against regulatory expectations and customer-outcome standards through thematic reviews, sampling and case assessments. Support oversight of manual underwriting, including controls, outcomes, mandate adherence, decision consistency and comparison with standard treatment.
• Partner with Complaints teams to identify themes relating to credit products, fraud and risk-based strategies, including internal and Financial Ombudsman Service outcomes, and identify potential areas for second-line challenge.
• Own Lending Authority mandate documentation and oversee and challenge changes to underwriter authority limits. Support oversight of manual underwriting.
• Provide oversight and challenge of relevant 1LOD product, strategy and roadmap changes, considering prioritization, Risk implications, market practice, competitor developments and regulatory expectations.

Required Qualifications, Capabilities, and Skills

• Bachelor's degree or equivalent qualification.
• Significant experience in Credit Risk, Risk Oversight or a related discipline, ideally within consumer lending.
• Strong understanding of UK consumer lending, credit risk,  collections and customer-outcome considerations.
• Advanced proficiency in Microsoft Excel, Word, and PowerPoint.
• Strong analytical and problem-solving skills.
• Strong written and verbal communication skills, with the ability to present analytical findings and business recommendations.
• Experience working in agile or fast-paced environments.
• Ability to manage change while delivering business value.
• Experience interpreting market, portfolio, consumer or macroeconomic data and translating analysis into clear insights and recommendations for senior leaders.
• Experience assessing regulatory developments and their potential implications for products, strategies, controls and customer outcomes.
• Ability to build relationships and influence across Risk, business, control, regulatory and external stakeholder groups.

Preferred Qualifications, Capabilities, and Skills

• Experience engaging in industry forums, trade bodies, regulatory discussions or peer engagements.
• Familiarity with UK and EU consumer-credit markets, regulatory expectations and lending practices.
• Experience with credit bureau data, industry benchmarking, competitor analysis or external market intelligence.
• Knowledge of fraud risk management frameworks.