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About This Role
JOB DESCRIPTION
Join a high\-impact team shaping credit strategy across consumer and small business lending at JPMorganChase. Leverage Chase’s cross‑line‑of‑business data and your advanced analytics skills to surface emerging risks, guide portfolio decisions, and protect customers through cycles. You’ll operate at the intersection of data science, macro insights, and credit risk, presenting timely intelligence to senior CCB (Consumer and Community Bank) Risk leaders. If you thrive in dynamic environments and love turning complex data into clear actions, this role is for you.
As a Vice President, Data Scientist in the Chase 360 Payment Analytics team within CCB Risk Insights, you will leverage cross‑LOB customer data to generate insights on consumer and small‑business health, inform and influence credit strategy, and build attributes that power credit models and decisions. You will own end‑to‑end analytical work—from data engineering and feature development to modeling, interpretation, and executive storytelling—delivering timely, high‑impact insights and dashboards that influence strategic choices across Card, Auto, Home Lending, and Business Banking. You will independently research emerging risks, synthesize external publications and data releases, and partner across Chase 360 to drive scalable solutions and measurable business outcomes.
Job Responsibilities:
- Generate timely insights on consumer and small‑business health using cross‑LOB data to identify, quantify, and monitor emerging credit risks.
- Inform and influence credit strategies across Card, Auto, Home Lending, and Business Banking with data‑driven recommendations and scenario analysis.
- Engineer and maintain high‑quality attributes/features to support credit models, segmentation, and policy execution.
- Design and execute advanced analytics (e.g., risk segmentation, early‑warning signals, stress indicators) to track portfolio trends and headwinds.
- Build and automate dashboards and recurring reports that translate complex analytics into clear, actionable leadership narratives.
- Conduct independent research on macro, industry, and payment trends; connect external developments to portfolio risks and opportunities.
- Analyze peer publications and public data releases to produce differentiated viewpoints for CCB Risk leadership.
- Partner with data engineering, model, and product teams to operationalize insights and ensure scalability, resiliency, and governance.
- Manage cross‑functional projects end‑to‑end, aligning stakeholders, defining milestones, and delivering on time in a fast‑paced environment.
- Communicate findings to technical and non‑technical audiences, using crisp narratives, visuals, and executive‑ready materials.
- Champion best practices in code quality, reproducibility, and model/metric documentation to elevate team capabilities.
Required Qualifications, Capabilities, and Skills:
- Advanced degree (MS preferred) in statistics, econometrics, or related quantitative field with minimum 7 years in risk management or quantitative roles; or BS with minimum 8 years relevant experience.
- Experience in consumer financial services with a focus on credit risk analytics and portfolio monitoring across the credit lifecycle.
- Strong Python proficiency (data wrangling, modeling, visualization, automation) and production‑grade code practices.
- Advanced SQL skills with proven ability to query, transform, and QC large, complex datasets from multiple sources.
- Demonstrated ability to build, maintain, and validate attributes/features for credit models and strategy execution.
- Track record of delivering time‑critical analytical reports/dashboards to senior stakeholders with clear, actionable insights.
- Strong quantitative problem‑solving, hypothesis‑driven analysis, and experimental design skills.
- Excellent communication skills, translating technical analyses into concise recommendations for leadership.
- Self‑starter with ownership mindset; proven ability to drive ambiguous problems to scalable solutions under tight timelines.
- Familiarity with integrating external data/publications and macro trends into credit risk assessments.
- Project management experience leading cross‑functional initiatives from scoping through delivery and adoption.
Preferred Qualifications, Capabilities, and Skills:
- Experience with payments data, spend behaviors, and early‑warning indicators tied to consumer and small‑business health.
- Knowledge of credit risk modeling techniques (e.g., logistic/GBM, survival analysis, scorecarding) and performance monitoring.
- Proficiency with data visualization/BI tools (e.g., Tableau, Power BI) and workflow orchestration (e.g., Airflow) for automated reporting.
- Familiarity with cloud data platforms and distributed computing (e.g., AWS, Spark) for large‑scale analytics.
- Working knowledge of model risk governance and controls for data, features, and performance tracking.
- Experience partnering across business lines and risk functions to align strategies and implement analytics at scale.
- Strong sense of learning agility—comfort quickly adopting new tools, methods, and business concepts.
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.
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.
Role Details
About This Role
Data Scientists extract insights and build predictive models from data. In the AI era, many roles now include LLM-powered analytics, automated reporting, and integration with generative AI tools. The role has evolved from 'the person who runs SQL queries' to 'the person who builds AI-powered data products.'
Modern data science roles fall into two camps: analytics-focused (insights, dashboards, experimentation) and ML-focused (building predictive models, recommendation systems, NLP features). The best data scientists can operate in both modes. The AI shift means that even analytics-focused roles now involve building automated insight pipelines using LLMs, going well beyond one-off reports.
Across the 26,159 AI roles we're tracking, Data Scientist positions make up 2% of the market. At JPMorganChase, this role fits into their broader AI and engineering organization.
Data Scientist roles remain in high demand, though the definition keeps shifting. Companies increasingly want candidates who can bridge traditional statistics with modern ML and LLM capabilities. The 'pure insights' data scientist role is consolidating into analytics engineering, while the 'build models' data scientist role is merging with ML engineering.
What the Work Looks Like
A typical week includes: analyzing experiment results for a product feature launch, building a predictive model for customer churn, creating an automated reporting pipeline using LLM-powered summarization, presenting insights to stakeholders, and cleaning data (always cleaning data). The ratio of analysis to engineering varies by company, but expect both.
Data Scientist roles remain in high demand, though the definition keeps shifting. Companies increasingly want candidates who can bridge traditional statistics with modern ML and LLM capabilities. The 'pure insights' data scientist role is consolidating into analytics engineering, while the 'build models' data scientist role is merging with ML engineering.
Skills Required
Python, SQL, and statistical modeling are the foundation. Increasingly, roles want experience with LLMs for data analysis, automated insight generation, and building AI-powered data products. Familiarity with cloud data platforms (Snowflake, BigQuery, Databricks) and ML frameworks (scikit-learn, PyTorch) covers most job requirements.
Experimentation design and causal inference are underrated skills that separate strong candidates. Companies care about whether their product changes cause improvements, and can distinguish causation from correlation. A/B testing methodology, Bayesian statistics, and the ability to communicate uncertainty to non-technical stakeholders are high-value skills.
Good postings specify the data stack, the types of problems you'll work on, and the team structure. Look for companies that differentiate between analytics and ML data science. Vague 'data scientist' postings that list every skill under the sun usually mean the company doesn't know what they need.
Compensation Benchmarks
Data Scientist roles pay a median of $204,700 based on 441 positions with disclosed compensation.
Across all AI roles, the market median is $184,000. Top-quartile compensation starts at $244,000. The 90th percentile reaches $309,400. For comparison, the highest-paying categories include AI Engineering Manager ($293,500) and AI Architect ($292,900). By seniority level: Entry: $76,880; Mid: $131,300; Senior: $227,400; Director: $244,288; VP: $234,620.
JPMorganChase AI Hiring
JPMorganChase has 192 open AI roles right now. They're hiring across AI/ML Engineer, AI Software Engineer, Data Scientist, AI Agent Developer. Positions span Columbus, OH, US, New York, NY, US, San Francisco, CA, US. Compensation range: $62K - $500K.
Location Context
Across all AI roles, 7% (1,863 positions) offer remote work, while 24,200 require on-site attendance. Top AI hiring metros: Los Angeles (1,695 roles, $178,000 median); New York (1,670 roles, $200,000 median); San Francisco (1,059 roles, $244,000 median).
Career Path
Common paths into Data Scientist roles include Data Analyst, Statistician, Quantitative Researcher.
From here, career progression typically leads toward Senior Data Scientist, ML Engineer, AI Product Manager.
Start with statistics and SQL. Build a real analysis project on public data that demonstrates insight generation alongside model building. The market values data scientists who can communicate findings clearly to business stakeholders. If you want to move toward ML engineering, invest in software engineering fundamentals and production deployment skills.
What to Expect in Interviews
Interviews combine statistics, coding, and business acumen. SQL is almost always tested, often with complex joins and window functions. Expect a case study round where you're given a business problem and asked to design an analysis plan. Coding rounds focus on pandas, statistical modeling, and visualization. The strongest differentiator is how well you communicate insights to non-technical stakeholders during presentation rounds.
When evaluating opportunities: Good postings specify the data stack, the types of problems you'll work on, and the team structure. Look for companies that differentiate between analytics and ML data science. Vague 'data scientist' postings that list every skill under the sun usually mean the company doesn't know what they need.
AI Hiring Overview
The AI job market has 26,159 open positions tracked in our dataset. By seniority: 2,416 entry-level, 16,247 mid-level, 5,153 senior, and 2,343 leadership roles (Director, VP, C-Level). Remote roles make up 7% of the market (1,863 positions). The remaining 24,200 roles require on-site or hybrid attendance.
The market median for AI roles is $184,000. Top-quartile compensation starts at $244,000. The 90th percentile reaches $309,400. Highest-paying categories: AI Engineering Manager ($293,500 median, 28 roles); AI Architect ($292,900 median, 108 roles); AI Safety ($274,200 median, 19 roles).
Data Scientist roles remain in high demand, though the definition keeps shifting. Companies increasingly want candidates who can bridge traditional statistics with modern ML and LLM capabilities. The 'pure insights' data scientist role is consolidating into analytics engineering, while the 'build models' data scientist role is merging with ML engineering.
The AI Job Market Today
The AI job market spans 26,159 open positions across 15 role categories. The largest categories by volume: AI/ML Engineer (23,752), AI Software Engineer (598), AI Product Manager (594). These three account for the majority of open positions, though smaller categories often have higher per-role compensation because of specialized skill requirements.
The seniority mix tells a story about where AI teams are in their maturity. Entry-level roles (2,416) are outnumbered by mid-level (16,247) and senior (5,153) positions, reflecting that most companies are past the 'build a team from scratch' phase and need experienced engineers who can ship production systems. Leadership roles (Director, VP, C-Level) total 2,343 positions, representing the bottleneck between technical execution and organizational strategy.
Remote work availability sits at 7% of all AI roles (1,863 positions), with 24,200 requiring on-site or hybrid attendance. The remote share has stabilized after the post-pandemic correction. Senior and specialized roles (Research Scientist, ML Architect) are more likely to be remote-eligible than entry-level positions, partly because experienced hires have more negotiating power and partly because these roles require less hands-on mentorship.
AI compensation is structured in clear tiers. The market median sits at $184,000. Top-quartile roles start at $244,000, and the 90th percentile reaches $309,400. These figures include base salary with disclosed compensation. Total compensation (including equity, bonuses, and sign-on) runs 20-40% higher at companies that offer those components.
Category matters for compensation. AI Engineering Manager roles lead at $293,500 median, while Prompt Engineer roles sit at $122,200. The spread between highest and lowest-paying categories reflects the premium on specialized technical skills versus broader analytical roles.
The most in-demand skills across all AI postings: Rag (16,749 postings), Aws (8,932 postings), Rust (7,660 postings), Python (3,815 postings), Azure (2,678 postings), Gcp (2,247 postings), Prompt Engineering (1,469 postings), Openai (1,269 postings). Python dominates, appearing in the vast majority of role descriptions regardless of category. Cloud platform experience (AWS, GCP, Azure) is the second most common requirement. The newer entrants to the top skills list (RAG, vector databases, LLM APIs) reflect the shift from traditional ML toward generative AI applications.
Frequently Asked Questions
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