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JPMorgan Chase Consumer and Community Banking - Applied AI ML Associate in Wilmington, Delaware

JPMorgan Chase & Co . (NYSE: JPM) is a leading global financial services firm with 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 customers 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. Information about JPMorgan Chase & Co. is available at

Our Firmwide Risk Function is focused on cultivating a stronger, unified culture that embraces a sense of personal accountability for developing the highest corporate standards in governance and controls across the firm. Business priorities are built around the need to strengthen and guard the firm from the many risks we face, financial rigor, risk discipline, fostering a transparent culture and doing the right thing in every situation. We are equally focused on nurturing talent, respecting the diverse experiences that our team of Risk professionals bring and embracing an inclusive environment.

Chase Consumer & Community Banking (CCB) serves consumers and small businesses with a broad range of financial services, including personal banking, small business banking and lending, mortgages, credit cards, payments, auto finance and investment advice. Consumer & Community Banking Risk Management partners with each CCB sub-line of business to identify, assess, prioritize and remediate risk. Chase Card Services is the top issuer of US credit cards.

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. The successful candidate 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.

Card Risk Modeling - Machine Learning Data Scientist (Associate)

  • Design and develop machine learning models to drive impactful credit decisions for the card business throughout the customer 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 partners in marketing, risk, technology, model governance, compliance etc. throughout the entire modeling lifecycle (development, review, deployment and ongoing monitoring)

Basic Qualifications

  • 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, 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

  • 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

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 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. In accordance with applicable law, we make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as any mental health or physical disability needs.

Equal Opportunity Employer/Disability/Veterans