Data Scientist Associate

Job Description
We have an exciting opportunity for you to accelerate your data science career in Auto Finance and shape the future of lending.
As a Data Scientist Associate in the Auto Data and Analytics team, you deliver advanced analytics and predictive modeling to drive data-driven decision-making across the auto lending business. You collaborate with partners to generate actionable insights that directly impact business outcomes and reach senior leadership.
Job responsibilities

• Develop and deploy machine learning models and analytics solutions to solve business problems in auto lending
• Design and build data pipelines and feature engineering frameworks to ensure high data quality and scalability
• Translate complex data and model outputs into meaningful insights for strategic decision-making
• Collaborate with cross-functional teams to identify opportunities for analytics-driven improvements
• Own the production, optimization, and automation of key analytics deliverables and reporting
• Monitor and assess the impact of business metrics and initiatives, providing recommendations for improvement
• Stay current with emerging data science techniques, tools, and industry trends to drive innovation

Required qualifications, capabilities, and skills

• Formal training or certification in data science or analytics and four years applied experience
• Strong proficiency in SQL and Python (or R) for extracting, manipulating, and analyzing large datasets
• Hands-on experience building and deploying machine learning models using libraries such as scikit-learn, XGBoost, or TensorFlow
• Solid understanding of statistical methods and their application to business problems
• Demonstrated ability to work independently and deliver results in a fast-paced environment
• Strong communication skills to explain technical concepts to non-technical audiences
• Proven track record of translating business problems into analytical solutions and actionable insights

Preferred qualifications, capabilities, and skills

• Industry experience in auto lending, consumer finance, credit risk, marketing analytics, or operations
• Experience with cloud-based data platforms and tools such as AWS, Azure, Databricks, or Snowflake
• Knowledge of advanced machine learning techniques including ensemble methods, neural networks, or NLP
• Exposure to Generative AI and LLMs such as GPT, RAG, or prompt engineering

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 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.
About the Team
Our Consumer & Community Banking division serves our Chase customers through a range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. We're proud to lead the U.S. in credit card sales and deposit growth and have the most-used digital solutions - all while ranking first in customer satisfaction.
The CCB Data & Analytics team responsibly leverages data across Chase to build competitive advantages for the businesses while providing value and protection for customers. The team encompasses a variety of disciplines from data governance and strategy to reporting, data science and machine learning. We have a strong partnership with Technology, which provides cutting edge data and analytics infrastructure. The team powers Chase with insights to create the best customer and business outcomes.