JPMorgan Chase
Wilmington, NC

Applied AI/ML - Card Risk Modeling Data Scientist Sr Associate at JPMorgan Chase (Wilmington, NC)

| Wilmington, NC
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Job Description The applied AI/ML card risk modeling teams are responsible for developing and implementing best in class predictive models in various function areas to manage Chase credit card portfolio performance. Existing portfolio management strategies can be optimally enhanced with appropriate machine learning algorithms that effectively utilize rich data assets, big data platform and best in class analytical capabilities. Working for the largest credit card issuing bank in the US, you will develop and implement account level predictive mathematical models to estimate risk and profitability of the card portfolio and leverage these models to develop recommendation engines that optimize acquisition and account management strategies.
In this role, you will:
  • be the modeling expert for identifying and leveraging suitable machine learning algorithms for developing models and strategies for card acquisition and account management decisions;
  • build interpretable machine learning models through key phases of development - from design through feature selection, feature engineering, training, evaluation and implementation;
  • leverage a broad set of technologies such as Python, Conda, Spark, and others to extract predictive models/patterns from account level and/or transaction level data gathered from millions of accounts;
  • lead with an external perspective, challenge status quo, and bring continuous innovation to our existing modeling techniques
  • collaborate with tech partners to test, implement and deploy modeling solutions to production system

Required
  • Ph.D. or Master in Computer Science, Engineering, Mathematics, Statistics and other related quantitative fields with hands-on experience leveraging sophisticated analytical and machine learning techniques.
  • Experienced in developing machine learning models for commercial purposes using machine learning algorithms such as in XGBoost, KNN, Reinforcement Learning, CNN etc.
  • Exceptional coding skills in open source programming languages for large scale data analysis (Python, Spark, Scala, Tensorflow or the equivalent) and experience with databases (Hive, SQL, or the equivalent). Experience with data visualization is a plus.
  • Have ability to frame a business problem into a mathematical programing problem and leverage recent thinking and tools from academia and/or other industries to deliver innovative solution and business insights.
  • Collaborate with various partners in marketing, risk, technology, model governance, compliance etc. throughout the entire modeling lifecycle (development, review, deployment and ongoing monitoring)
  • Strong written and oral communication skills to clearly present analytical findings and influence across all levels of the organization
  • Have a strong interest in how models work, the reasons why particular models work or not work on particular problems, and the practical aspects of how new models are designed

Preferred
  • Experience with model design in a big data environment making use of distributed/parallel processing via Hadoop, particularly Spark and Hive. Experience in working with GPU-accelerated hardware and/or AWS Cloud is a plus.
  • Experience in interpreting / explaining machine learning models leveraging cutting edge interpretable ML models or utilizing interpretability tools such as SHAP
  • Academic papers published in the area of machine learning model development / interpretability in the top machine learning journals
  • Experience in model development in financial industry

About Us Chase is a leading financial services firm, helping nearly half of America's households and small businesses achieve their financial goals through a broad range of financial products. Our mission is to create engaged, lifelong relationships and put our customers at the heart of everything we do. We also help small businesses, nonprofits and cities grow, delivering solutions to solve all their financial needs.
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. In accordance with applicable law, we make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as any mental health or physical disability needs.
The health and safety of our colleagues, candidates, clients and communities has been a top priority in light of the COVID-19 pandemic. JPMorgan Chase was awarded the "WELL Health-Safety Rating" for all of our 6,200 locations globally based on our operational policies, maintenance protocols, stakeholder engagement and emergency plans to address a post-COVID-19 environment.
As a part of our commitment to health and safety, we have implemented various COVID-related health and safety requirements for our workforce. Employees are expected to follow the Firm's current COVID-19 or other infectious disease health and safety requirements, including local requirements. Requirements include sharing information including your vaccine card in the firm's vaccine record tool, and may include mask wearing. Requirements may change in the future with the evolving public health landscape. JPMorgan Chase will consider accommodation requests as required by applicable law.
Equal Opportunity Employer/Disability/Veterans
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.
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Technology we use

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What are JPMorgan Chase Perks + Benefits

Culture
Volunteer in local community
Partners with Nonprofits
Diversity
Diversity Employee Resource Groups
Health Insurance & Wellness Benefits
Flexible Spending Account (FSA)
Disability Insurance
Dental Benefits
Vision Benefits
Health Insurance Benefits
Life Insurance
Wellness Programs
Mental Health Benefits
Retirement & Stock Options Benefits
401(K)
401(K) Matching
Employee Stock Purchase Plan
Performance Bonus
Child Care & Parental Leave Benefits
Generous Parental Leave
Family Medical Leave
Vacation & Time Off Benefits
Generous PTO
Paid Holidays
Paid Sick Days
Perks & Discounts
Casual Dress
Commuter Benefits
Game Room
Professional Development Benefits
Tuition Reimbursement
Diversity Program

An Insider's view of JPMorgan Chase

What’s the vibe like in the office?

My favorite thing about JPMorgan Chase is the vast number of problems we solve, and the diversity it takes to do that. Moving money, enabling payments and producing a world class customer experience are just a fraction of what we work on. Because the office is so casual and open, I get to participate in discussions on all of this.

Nick S.

Executive Director, Software Engineering

What projects are you most excited about?

As one of the largest financial institutions in the world, our scope of impact is huge. Knowing that a system we deliver is responsible for things millions do daily such as paying for groceries, withdrawing cash, or getting a loan pushes us toward solutions that scale, which is the most challenging but also the most rewarding part of our projects.

Edwin T.

Executive Director, Site Reliability Engineering

How does the company support your career growth?

JPMorgan has helped me develop as a professional – both as a technologist and as a business leader. I have taken advantage of executive leadership training and development aligned to the firm’s culture of “How We Do Business.” I feel good about working for a firm that invests in its #1 asset – US!

Lupe C.

Executive Director

How do you empower your team to be more creative?

Empowerment for Idea generation, problem solving and innovation is best coming from those who do the work. I engage my technologist in high profile work and foster an environment where ideas are welcome. Empowerment of our technologists is the key to success. Teams dig in, innovate and identify ways to create a better client experience.

Dawn T.

Managing Director, Software Engineering

How does the company support your career growth?

Working at JPMC has been a wonderful experience. I love how much JPMorgan Chase cares about its communities by offering support of technologists to local non-profit organizations through social innovation programs. The company also invests in its employees and provides many learning opportunities to us.

Meng M.

Software Engineer

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