Job Description Ignite your passion for product innovation by leading customer-centric development, inspiring solutions, and shaping the future with your strategic vision and influence.
Treasury teams are under pressure to make faster decisions with better data-without increasing risk. In this role you will drive the data science and AI efforts that help shape the future of the corporate treasury.
As a
Principal, Data Scientist in the Payments Data & Analytics organization you will partner with the product organization in developing and scaling agentic, AI-native treasury products, grounded in real practitioner workflows.
Job responsibilities - Define and drive the AI strategy for client facing agentic corporate treasury solutions, identifying high-value opportunities for generative AI, agentic AI, and analytics innovation to create competitive advantage
- Partner with Data, Product, and Technology to deliver AI and machine learning solutions from ideation and prototyping through production deployment, ensuring solutions are scalable, responsible, and aligned to business needs
- Stay current on emerging AI and machine learning techniques and translate new capabilities into practical applications for the Payments business
- Drive evaluation frameworks, experimentation (including A/B testing and causal inference), and strategies that improve client experience
- Attract and retain top analytics talent through hiring, onboarding, and skills development programs.
Required qualifications, capabilities and skills: - PhD in a quantitative discipline (e.g., computer science, data science, statistics, econometrics, or related) with 10+ years of progressive analytics and data science experience spanning both hands-on development and enterprise-scale leadership responsibilities
- Deep technical expertise across applied data science, including predictive modeling, statistical analysis, customer/behavioral segmentation, and experimental design, with the ability to coach others and establish engineering-quality standards for analytic work
- Languages & Modeling skills: Python, JavaScript, PHP, SQL, C#, Predictive & Causal Modeling
- AI/ML Platform expertise: MLOps (MLFlow, Metaflow, DataRobot), Generative AI, AI Observability, NLP
- Proven track record translating machine learning and analytics into measurable business outcomes, including defining the decision to be improved, building the model/measurement approach, and driving adoption through product, operations, and executive stakeholders
- Strong strategic and commercial acumen, with the ability to frame ambiguous analytical questions into executable roadmaps and translate findings into executive-ready narratives, trade-offs, and recommendations
- Experience leading analytics across multiple concurrent business domains (e.g., product, customer lifecycle, operations, growth, or planning), balancing near-term delivery with longer-term capability building (data foundations, tooling, and reusable methods)
- Exceptional stakeholder management and communication skills, including influencing senior leaders, aligning cross-functional partners, and managing competing priorities while maintaining trust and momentum
Preferred qualifications, capabilities and skills: - Experience applying analytics to global scale, B2B digital products and lifecycle management, including acquisition, onboarding, engagement/retention, segmentation-driven personalization, and monetization decisioning
- Exposure to modern generative AI approaches (e.g., large language models, retrieval-augmented generation patterns, and workflow/agent concepts), with the ability to evaluate feasibility, risk, and business value even when not acting as the primary model developer
- Practical experience with causal inference and experimentation at scale, including A/B testing, uplift measurement, and designing experiments that work within real-world product and operational constraints
- Familiarity with responsible AI principles and analytics governance (e.g., model risk management concepts, documentation, monitoring, and bias/robustness considerations), with the judgment to operate effectively in more regulated or higher-reputational-risk environments
- Demonstrated ability to drive analytics adoption through organizational enablement, such as self-service measurement tools, standardized metric definitions, data stewardship practices, and change management for new decision processes
- Comfort operating in Agile/product-oriented delivery models, partnering with product and engineering teams to translate business problems into iterative roadmaps and measurable releases
About Us JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.
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.
JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans
About the Team A part of the Commercial & Investment Bank, J.P. Morgan Payments enables organizations of all sizes to execute transactions efficiently and securely, transforming the movement of information, money, and assets. The team of experts tackles complex challenges at every stage of the payment lifecycle. And their industry-leading solutions facilitate seamless transactions across borders, industries, and platforms.
Operating in over 160 countries and handling more than 120 currencies, J.P. Morgan Payments business is the largest processor of USD payments, with a daily transaction volume of $10 trillion.
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