Risk Program Senior Associate - Card Merchant

Job Description
Come join us in reshaping the future!
Card Risk Modeling (Applied AI ML) team is searching for talents in machine learning, big data and distributed computing with applications in credit card business, in particular, card acquisition risk management decision process. You will drive long term profitable growth using ML / AI powered predictive models with strong business acumen, collaborate in a team environment, and effectively communicate results to senior management.
Job Responsibilities

• Design and develop machine learning models to drive impactful credit decisions for the card business throughout the credit card lifecycle (e.g., acquisition, account management, transaction authorization, collection).
• Leverage cutting-edge machine learning techniques, including deep learning architectures on big data platforms with key emphasis on interpretability and replicability of such techniques.
• Work closely with the senior management team to develop ambitious, innovative modeling solutions and implement them in production to drive significant business impact.
• Collaborate with various business partners in marketing, risk, technology, model governance, compliance etc. throughout the entire modeling lifecycle. (development, review, deployment and ongoing monitoring)
• Present model result and ad-hoc research to senior leaders.

Required qualifications, capabilities and skills

• Ph.D. or Master's degree from an accredited university in a quantitative field such as Computer Science, Mathematics, Statistics, Econometrics, or Engineering.
• Exceptional coding skills with at least one-year professional experience in coding (e.g. Python, SAS, Spark, Scala, or Tensorflow) and big data platform (e.g., Hadoop, HDFS, Teradata, snowflake, AWS cloud, Hive) .
• Solid understanding of advanced statistical methods and machine learning techniques: GLM/Regression, Random Forest, Boosting Trees, Neural Network, Clustering, KNN, Anomaly Detection etc.
• Strong ability to interpret and form a coherent story with complex data and communicate to a wide range of audience with various degree of technical acumen including senior leadership and executives.
• Advanced problem-solving skills and exceptional analytical skills.

Preferred qualifications, capabilities and skills

• Experience in credit card industry with strong business acumen.
• Experience in interpreting / explaining machine learning models such as XGBoost, GBM etc.
• Strong ownership and execution; proven experience in implementing models in production.
• Expertise in data wrangling and model building on a distributed Spark computation environment.

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 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.
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.
We offer a broad array of credit cards to meet the needs of individuals and small businesses, including Chase-branded and co-branded cards in partnership with well-known companies and organizations. Merchant Services is a leading provider of payment, fraud and data security for companies, capable of authorizing transactions across global currencies.