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  <xsd:element name="USSubFacilityMember" id="jc_USSubFacilityMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="DebtIssuanceCostsAmortizationPeriod" id="jc_DebtIssuanceCostsAmortizationPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="DebtInstrumentRedemptionPeriodThreeAndThereafterMember" id="jc_DebtInstrumentRedemptionPeriodThreeAndThereafterMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="DebtInstrumentFinancialCovenantsMaximumSeniorLeverageRatio" id="jc_DebtInstrumentFinancialCovenantsMaximumSeniorLeverageRatio" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="DebtInstrumentFinancialCovenantsMaximumLeverageRatio" id="jc_DebtInstrumentFinancialCovenantsMaximumLeverageRatio" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="DebtInstrumentFinancialCovenantsMinimumFixedChargeCoverageRatio" id="jc_DebtInstrumentFinancialCovenantsMinimumFixedChargeCoverageRatio" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="DebtInstrumentFinancialCovenantsMinimumTangibleNetWorthToEachSubsequentQuarterNetIncomePercentage" id="jc_DebtInstrumentFinancialCovenantsMinimumTangibleNetWorthToEachSubsequentQuarterNetIncomePercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="DebtInstrumentFinancialCovenantsMinimumActualCollectionsToProjectedCollectionsOverTrailingTwelveMonthsPercentage" id="jc_DebtInstrumentFinancialCovenantsMinimumActualCollectionsToProjectedCollectionsOverTrailingTwelveMonthsPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="CreditCardReceivablesAbstract" id="jc_CreditCardReceivablesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CreditCardReceivablesTextBlock" id="jc_CreditCardReceivablesTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestRollForward" id="jc_FinancingReceivableExcludingAccruedInterestRollForward" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestCashCollection" id="jc_FinancingReceivableExcludingAccruedInterestCashCollection" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestChangeInExpectedCurrentPeriodRecoveries" id="jc_FinancingReceivableExcludingAccruedInterestChangeInExpectedCurrentPeriodRecoveries" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestChangeInExpectedFuturePeriodRecoveries" id="jc_FinancingReceivableExcludingAccruedInterestChangeInExpectedFuturePeriodRecoveries" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestForeignCurrencyAdjustments" id="jc_FinancingReceivableExcludingAccruedInterestForeignCurrencyAdjustments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivablePurchasedWithCreditDeteriorationAmortizedCost" id="jc_FinancingReceivablePurchasedWithCreditDeteriorationAmortizedCost" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivablePurchasedWithCreditDeteriorationAmortizedCostWrittenOff" id="jc_FinancingReceivablePurchasedWithCreditDeteriorationAmortizedCostWrittenOff" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremiumWrittenOff" id="jc_FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremiumWrittenOff" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FinancingReceivablePurchasedWithCreditDeteriorationNegativeAllowance" id="jc_FinancingReceivablePurchasedWithCreditDeteriorationNegativeAllowance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestAmountAtParValue" id="jc_FinancingReceivableExcludingAccruedInterestAmountAtParValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestFaceValuePercentage" id="jc_FinancingReceivableExcludingAccruedInterestFaceValuePercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestEstimatedAmountOfCashflowsToBeCollected" id="jc_FinancingReceivableExcludingAccruedInterestEstimatedAmountOfCashflowsToBeCollected" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="ForwardFlowPurchaseAgreementDurationOfCommitmentToPurchaseReceivables" id="jc_ForwardFlowPurchaseAgreementDurationOfCommitmentToPurchaseReceivables" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="DeferredProfitSharingPlanMember" id="jc_DeferredProfitSharingPlanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="RetirementSavingsPlanOrTaxFreeSavingsAccountMember" id="jc_RetirementSavingsPlanOrTaxFreeSavingsAccountMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CommitmentsToExtendCreditMaximumCreditLimit" id="jc_CommitmentsToExtendCreditMaximumCreditLimit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="ContingentPaymentsExitIncentiveAwardedValue" id="jc_ContingentPaymentsExitIncentiveAwardedValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="AccruedLiabilityRelatedToCanaccedeExitIncentive" id="jc_AccruedLiabilityRelatedToCanaccedeExitIncentive" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="MaterialPendingLegalProceedings" id="jc_MaterialPendingLegalProceedings" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="NumberOfInstallmentsForVesting" id="jc_NumberOfInstallmentsForVesting" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ContributionByStockholderMember" id="jc_ContributionByStockholderMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="SeniorUnsecuredNotesDue2030Member" id="jc_SeniorUnsecuredNotesDue2030Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestPortfolioIncome" id="jc_FinancingReceivableExcludingAccruedInterestPortfolioIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="ClassBUnitsMember" id="jc_ClassBUnitsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="Rule10b51ArrangementModified" id="jc_Rule10b51ArrangementModified" type="xbrli:booleanItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="NonRule10b51ArrangementModified" id="jc_NonRule10b51ArrangementModified" type="xbrli:booleanItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="IncreaseDecreaseInDeferredTax" id="jc_IncreaseDecreaseInDeferredTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DebtInstrumentRedemptionPeriodTwoAndThereafterMember" id="jc_DebtInstrumentRedemptionPeriodTwoAndThereafterMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="IncreaseDecreaseInDeferredTaxLiabilityFromReorganization" id="jc_IncreaseDecreaseInDeferredTaxLiabilityFromReorganization" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="BluestemReceivablesAssetAcquisitionMember" id="jc_BluestemReceivablesAssetAcquisitionMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="AccountsPayableAndAccruedLiabilitiesExcludingTaxLiabilities" id="jc_AccountsPayableAndAccruedLiabilitiesExcludingTaxLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="NumberOfReportableSegmentsNotDisclosedFlag" id="jc_NumberOfReportableSegmentsNotDisclosedFlag" type="xbrli:booleanItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="OtherAssetsPolicyTextBlock" id="jc_OtherAssetsPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="LineOfCreditFacilityIncreaseInMaximumBorrowingCapacity" id="jc_LineOfCreditFacilityIncreaseInMaximumBorrowingCapacity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="DebtInstrumentIncreaseDecreaseInInterestRate" id="jc_DebtInstrumentIncreaseDecreaseInInterestRate" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="DebtInstrumentIncreaseDecreaseInCommitmentFeeRate" id="jc_DebtInstrumentIncreaseDecreaseInCommitmentFeeRate" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="DebtInstrumentMaximumCommitmentFeeRate" id="jc_DebtInstrumentMaximumCommitmentFeeRate" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="DeferredTaxLiabilityFromRestructuring" id="jc_DeferredTaxLiabilityFromRestructuring" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="PublicOfferingByShareholdersMember" id="jc_PublicOfferingByShareholdersMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PurchasesOfOrProceedsFromPropertyAndEquipmentNet" id="jc_PurchasesOfOrProceedsFromPropertyAndEquipmentNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="AssetAcquisitionTransactionCosts" id="jc_AssetAcquisitionTransactionCosts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="PutbackPeriodOfInvestmentReceivablesAcquired" id="jc_PutbackPeriodOfInvestmentReceivablesAcquired" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="LongTermDebtMaturityYearOneToThree" id="jc_LongTermDebtMaturityYearOneToThree" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="PercentageOfOptionAtMoney" id="jc_PercentageOfOptionAtMoney" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="PercentageOfOptionOutOfMoney" id="jc_PercentageOfOptionOutOfMoney" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="DeferredTaxAssetsLeases" id="jc_DeferredTaxAssetsLeases" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="SalariesAndBenefits1" id="jc_SalariesAndBenefits1" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="OtherSellingGeneralAndAdministrative1" id="jc_OtherSellingGeneralAndAdministrative1" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="NegativeAllowanceForExpectedRecoveries1" id="jc_NegativeAllowanceForExpectedRecoveries1" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="PurchasePrice1" id="jc_PurchasePrice1" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
</xsd:schema>
