Data Scientist Analyst - Consumer and Investment banking

Join the Merchant Services Data & Analytics team at JPMorganChase, where we combine data science, research, and business understanding to fuel client-focused innovation. You will apply your technical skills to industry analytics and modern generative artificial intelligence solutions that create measurable impact for Chase Merchant Services clients.

As a Data Scientist Associate at JPMorganChase within Merchant Services Data & Analytics, you will execute analytics projects that generate payments insights and build intelligent solutions that improve payments performance and decision-making. You will partner closely with product, engineering, and business stakeholders to design and deliver end-to-end capabilities, including conversational assistants and workflow automation built with large language models and agent-based patterns.

Job responsibilities

• Conceptualize and deliver analytics and automation solutions that improve business processes and client outcomes
• Build payments insights that help merchants optimize authorization performance, chargebacks, and total cost of payments
• Develop and maintain data pipelines, datasets, and dashboards using tools such as Snowflake, Python, SQL, and Tableau
• Prototype and iterate on generative artificial intelligence features, including prompt design and refinement aligned to user needs
• Design, execute, and document testing and evaluation to validate reliability, quality, and effectiveness of solutions
• Monitor model and solution performance, identify enhancement opportunities, and implement updates to maintain relevance over time
• Partner with data owners, data engineers, and business stakeholders to support development of data models and analytics methods
• Support internal insights applications and external merchant insights experiences, including ad hoc client analytics requests

Required qualifications, capabilities and skills

• Bachelor’s or Master’s degree in a Science, Technology, Engineering, or Mathematics field (or related discipline)
• Minimum of 2 years of relevant work experience in data analytics, data science, or a related role
• Proficiency in Python and SQL for data processing, analysis, and development of repeatable workflows
• Experience applying quantitative research methods and analytics to real business questions
• Knowledge of machine learning and data science concepts, techniques, and common tooling
• Experience working with large language models and agent-based artificial intelligence techniques
• Strong critical thinking and problem-solving skills, with ability to translate goals into clear deliverables
• Strong collaboration skills with the ability to build partnerships across product, engineering, and business teams

Preferred qualifications, capabilities and skills

• Experience with rapid prototyping and data application development using Tableau and Streamlit
• Familiarity with Amazon Web Services and Snowflake for data management and analysis
• Understanding of quality assurance practices and approaches that protect data integrity
• Experience documenting analytic requirements and aligning stakeholders on scope and success measures
• Attention to detail with a proven ability to learn new concepts and skills quickly.

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.