Data Scientist Associate - Payments Data & Analytics

JOB DESCRIPTION

Our Payments Data and Analytics team is responsible for delivering high impact insights to help grow our payments business, driving our Payments data strategy, and creating innovative data-driven products for our clients and internal partners. We combine data science/AI/ML expertise, consultative problem solving, design thinking and a deep understanding of technology to drive value.
As a Data Scientist in the Payments Data and Analytics team, you will collaborate with our global data science and product teams to deliver high-impact AI and analytics use cases and build data-driven products that help internal sales and product teams sell more effectively.

Job responsibilities:

• Explore how money moves through our network and around the world, partnering closely with teams that sell, build, and deliver Payments products (including consumer-to-business payments, FX, trade finance, liquidity and more) to translate data into insights that shape the strategy and direction of JPMorgan Chase products.
• Collaborate with product managers to design and deliver internal, data-driven products and build robust data assets that power scalable analytical solutions.
• Identify and evaluate opportunities to integrate agentic AI workflows to improve efficiency, decisioning, and execution.
• Apply a management-consulting approach to identify, size, and prioritize use cases - grounded in impact orientation, strong business understanding, program management discipline, and executive presence.
• Combine rigorous analytical thinking with hands-on technical skills to design solutions and push approaches toward best-in-class outcomes.
• Build strong partnerships with internal stakeholders and deliver insights that increase revenue and improve client outcomes.
• Communicate complex concepts with clarity and concision, tailoring messages appropriately for internal stakeholder and executive audiences.
   

Required qualifications, capabilities, and skills:

• 4+ years of experience delivering data science and analytics solutions, from problem framing through production deployment.
• Bachelor's degree in Engineering, Computer Science, Statistics, Mathematics, or a related quantitative field (or equivalent practical experience).
• Strong hands-on experience with modern data/analytics platforms and tooling (e.g., Databricks, PySpark/Spark, SQL) and data visualization/BI tools (e.g., Tableau).
• Working knowledge of AI-powered solution development, including LLM fundamentals, prompt engineering, retrieval-augmented generation (RAG), and MCP-style integrations.
• Experience building on cloud platforms (e.g., AWS), including deploying and operating data workloads in cloud environments.
   

Preferred qualifications, capabilities, and skills:

• Strong stakeholder management skills with a track record of building trust-based partnerships across teams and functions.
• Demonstrated experience designing and building agentic AI solutions
• Experience in payments, financial services, fintech or other technology-enabled industries
• Background in management consulting is a plus

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

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.