Job Description Deliver the next generation of Payments products that combine JPMorgan Payments global payment network and data science as part of our Data & Analytics team. Apply advanced analytical and AI/ML expertise to deliver impactful, client-focused solutions.
As a Data Scientist Senior Associate within the Payments Data & Analytics team, you will partner closely with product teams across our global payments organization to deliver data-driven insights and algorithms across domains like Foreign Exchange ( FX) and Supply Chain Finance. You will contribute to the next generation of Payments and Treasury Services products, drawing on a blend of consulting, data science, and a passion for how we do things better with GenAI. You will work on payments domains like FX - including currency conversion modeling, cross-border payment pattern analysis, FX rate optimization, and client behavior analytics - to drive new product development, GTM strategy, and client outcomes. You will collaborate with cross-functional partners across product, engineering, sales, and risk to define problems, scope solutions, and deliver high-quality analytical models. The team supports both internal and external payment intelligence applications, as well as custom client analytics requests on an ad-hoc basis.
This role is ideal for someone that wants to drive innovative products combining a deep interest in banking and payments, AI and data science.
Job Responsibilities
- Design, build, and optimize end-to-end analytics and models to power data-driven solutions, evaluating and improving performance by identifying bottlenecks in throughput, latency, and resource utilization
- Drive and improve quality across products including validation checks, reconciliation logic, and anomaly detection at the data layer, to ensure the integrity of analytical outputs used for client-facing products and internal decision-making.
- Collaborate with data engineering teams to implement data-driven products efficiently to optimize performance and ensure accuracy, cost-discipline, and efficiency across Databricks / cloud environments.
- Develop and maintain analytical models enabling dynamic payment execution and analytics solutions informing our product strategy and client engagement.
- Perform exploratory statistics and data mining across Payments' data assets to uncover trends, anomalies, and opportunities for product improvements.
- Leverage experience with Large Language Models (LLMs) and agentic AI techniques to prototype and deploy generative AI capabilities that enhance analytics workflows. Design and refine prompts to improve AI model performance and align outputs with business goals.
- Architect and own scalable frameworks for AI model integration across business applications, mentoring junior team members on implementation of best practices and ensuring solutions can adapt and expand as the business evolves.
- Monitor AI model performance, identify areas for enhancement, and implement updates to maintain quality and relevance.
- Partner with the FX product team and key stakeholders to translate business needs into well-scoped analytical problem statements and execution plans, with emphasis on FX domain nuances such as multi-currency settlement, corridor-level economics, and regulatory considerations.
- Collaborate across product, engineering, risk, and operations teams on agile squads to deliver comprehensive, data-driven solutions with tangible commercial impact for clients and customers.
- Drive data science and analytics strategies, communicating findings, obstacles, and recommendations to stakeholders to accelerate delivery to market.
Required Qualifications, Capabilities, and Skills
- Bachelor's degree in a relevant quantitative field (e.g., STEM, Economics, Finance) and 3+ years of data analytics or data science experience, or an advanced degree and 2+ years of experience.
- Experience designing and building data pipelines for analytical workloads, including data ingestion, transformation, and orchestration using Python, SQL, and cloud-based platforms.
- Experience with LLMs and agentic AI techniques, including prompt engineering, multi-agent workflows, and GenAI application prototyping.
- Proficiency in Python and SQL for data processing and analysis.
- Strong problem-solving, critical thinking, and communication skills, with the ability to convey complex information to both technical and non-technical audiences.
- Intellectual curiosity for solving business problems and an aptitude for learning new theory and technology.
- Ability to drive work forward independently while collaborating effectively across teams, maintaining high accountability for deliverables and timelines.
Preferred Qualifications, Capabilities, and Skills
- Knowledge & experience of Payments including familiarity with payment execution, currency conversion mechanics, cross-border payment flows, and multi-currency settlement processes.
- Familiarity with AWS and Databricks for data management and analysis.
- Experience building and deploying AI agents and iterating designs to enhance functionality and user experience.
- Awareness of big data technologies (e.g., Hive, Hadoop, Spark) and distributed computing concepts.
- M.S. degree or equivalent in a quantitative discipline.
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 J.P. Morgan's Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.
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