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.
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
Skills Required
- Bachelor’s degree in a relevant quantitative field such as STEM, Economics, or Finance, plus 3+ years of data analytics or data science experience; alternatively, an advanced degree plus 2+ years of experience.
- Experience designing and building analytical data pipelines involving ingestion, transformation, and orchestration.
- Proficiency in Python and SQL for data processing and analysis.
- Experience with large language models and agentic AI techniques, including prompt engineering, multi-agent workflows, and generative AI application prototyping.
- Strong problem-solving, critical-thinking, and communication skills for technical and non-technical audiences.
- Ability to work independently, collaborate across teams, and maintain accountability for deliverables and timelines.
- Knowledge of payments, including payment execution, currency conversion, 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 improve functionality and user experience.
- Awareness of big data technologies such as Hive, Hadoop, and Spark, along with distributed computing concepts.
- M.S. degree or equivalent in a quantitative discipline.
JPMorganChase Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about JPMorganChase and has not been reviewed or approved by JPMorganChase.
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Healthcare Strength — Medical, dental, vision, and mental-health coverage are broad, with wellness incentives, on-site or virtual care, and an EAP offering coaching and counseling. Plan materials emphasize accessible options, including multiple medical choices and tools to manage costs.
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Parental & Family Support — Paid parental leave extends up to 16 weeks for all parents, supplemented by paid Critical Caregiver Leave. Family resources include backup childcare via Bright Horizons, lactation support and milk-shipping, family-building assistance, and even a free five-month SNOO rental for newborns.
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Retirement Support — Retirement programs include a 401(k) with an annual company match and automatic pay credits for most employees, with a legacy pension available to earlier hires. An Employee Stock Purchase Plan at a 5% discount further supports long-term savings.
JPMorganChase Insights
What We Do
JPMorgan Chase & Co. (NYSE: JPM) is a leading global financial services firm with assets of $3.7 trillion and operations worldwide. The firm is a leader in investment banking, financial services for consumers and small businesses, commercial banking, financial transaction processing, and asset management. A component of the Dow Jones Industrial Average, JPMorgan Chase & Co. serves millions of consumers in the United States and many of the world’s most prominent corporate, institutional and government clients under its J.P. Morgan and Chase brands. Technology fuels every aspect of our company and is at the heart of everything we do. With over 50,000 technologists globally and an annual tech spend of $12 billion, we are dedicated to improving the design, analytics, development, coding, testing and application programming that goes into creating high quality software and new products. Learn more about technology at our firm, explore resources from our Distinguished Engineers, AI & ML researchers, and other experts; access the latest episode of our TechTrends podcast, and more at www.jpmorgan.com/technology. Information about JPMorgan Chase & Co. is available at www.jpmorganchase.com. ©2023 JPMorgan Chase & Co. All rights reserved. JPMorgan Chase is an Equal Opportunity Employer, including Disability/Veterans.
Why Work With Us
Our technologists work on a diverse range of solutions that include strategic technology initiatives, big data, mobile, electronic payments, machine learning, cybersecurity, enterprise cloud development, and other state-of-the-art technologies.
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