Applied AI/ML - Senior Associate

Our team is responsible for pushing innovations in the Payments space, which is a cornerstone of JPMorgan Chase business. Payments are at the center of the global economy, connecting businesses and consumers around the world. In recent years, the payments industry has experienced rapid innovation with new technologies entering the market. Working in payments ML means being at the forefront of these changes and having the potential for a meaningful and lasting impact on global finance.

As an Applied AI ML - Senior Associate within Commercial & Investment Bank AI ML Team, you will build production-grade models and services that power secure, scalable payment experiences. You will operate at the forefront of innovation—from generative AI to agentic systems—while collaborating with product, engineering, and operations to deliver measurable impact. If you are passionate about turning data and research into real customer outcomes, we would love to work with you.

Job responsibilities

• Deliver machine learning applications from design and testing through containerization and deployment to cloud environments.
• Build modular, scalable, and well-tested Python code using object-oriented patterns and version control workflows.
• Partner with business stakeholders to deeply understand processes and identify high-value AI and machine learning opportunities.
• Develop innovative solutions, including generative AI and agentic approaches, to solve complex operations challenges.
• Architect and operate production machine learning services integrated with strategic systems for scale, reliability, and security.
• Research and analyze datasets using statistical and machine learning techniques with strong experimental design and rigorous evaluation.
• Define intrinsic and extrinsic evaluation methods aligned to business outcomes and customer impact.
• Communicate findings, trade-offs, and model performance clearly to technical and non-technical audiences.
• Establish reusable data science capabilities and tooling that accelerate multiple business use cases.
• Document architectures, methods, and processes to promote transparency and reproducibility.
• Collaborate across disciplines to drive data-led transformation and measurable business results.

Required qualifications, capabilities, and skills

• Master’s degree in a quantitative field with at least 2 years of relevant experience, or Bachelor’s degree with at least 3 years of relevant experience.
• Demonstrated depth in machine learning fundamentals, data analysis, and experimental design.
• Proven experience building and deploying data science and machine learning solutions to production at scale.
• Strong Python development and debugging skills with production-grade, modular code practices.
• Proficiency with version control and collaborative development workflows.
• Familiarity with distributed computing patterns for model training, serving, and deployment.
• Ability to design and interpret business-aligned evaluation metrics and testing frameworks.
• Excellent problem solving, communication, and teamwork with strong client focus and attention to detail.
• Experience with containerization and cloud deployment principles.
• Track record of solution ideation and translating complex business problems into measurable machine learning solutions.

Preferred qualifications, capabilities, and skills

• Experience with natural language processing and generative AI toolkits, including agentic patterns.
• Hands-on experience with PyTorch or TensorFlow and data science libraries such as scikit-learn, NumPy, SciPy, pandas, and statsmodels.
• Experience deploying models on Amazon Web Services platforms such as SageMaker or Bedrock.
• Practice integrating user feedback loops to refine and improve AI applications.

#CIBAppliedAI

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 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

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.