Vice President, Data Scientist - Credit Risk, Risk Insights - Chase 360

Job Description

Shape how JPMorganChase understands and manages consumer and small business credit risk at scale. In this role, you’ll turn rich payment and customer data into insights that directly influence lending strategy and risk decisions. You’ll partner with senior Risk leaders to answer high-impact questions, quantify tradeoffs, and monitor emerging risks. You’ll also help modernize the analytics lifecycle by identifying where GenAI can deliver step-change improvements.

As a Vice President in the Chase-360 Payment Analytics team, you will leverage cross-LOB customer data to generate insights into the health of consumers and small businesses, inform and influence credit strategy across consumer and business banking lending products, and develop attributes to support credit models and strategy.  
You are a self-starter who thrives in a fast-paced, dynamic environment. You are intellectually curious, always asking “why” and “what if,” and challenging assumptions to uncover deeper insights. You will collaborate closely with cross functional stakeholders, including the Risk leadership team to identify critical business questions and translate them into actionable analytical solutions 

Job Responsibilities

• Utilize skills in data analysis, modeling, data engineering, and project management to initiate, develop, and complete advanced analytics projects.
• Perform credit-focused analytics to identify, quantify, and monitor risks in consumers and small businesses, leveraging diverse, large internal data sources.
• Translate complex data into clear, actionable insights that inform strategic decisions.
• Conduct independent research on emerging risks relevant to consumers and small businesses, proactively addressing new challenges and opportunities.
• Deliver executive-ready narratives—develop and communicate compelling insights, recommendations, and tradeoffs to senior leaders  
• Drive execution in a fast-paced environment, prioritizing across multiple initiatives, aligning stakeholders, and ensuring delivery against roadmap milestones and business outcomes.
• Embrace GenAI-enabled innovation across the data science lifecycle, and proactively identify where GenAI can create step-changes to existing processes and risk monitoring.
• Stay up to date on industry trends, macroeconomic developments, technological advances, and best practices in risk analytics.

Required qualifications, capabilities, and skills

• Advanced degree in statistics, econometrics, or a related quantitative field, with minimum 5+ years of risk management or quantitative experience; alternatively, BS degree with a minimum of 7 years relevant experience.
• Deep expertise of the Consumer Financial Services industry
• Demonstrated strategic and commercial mindset—ability to frame ambiguous problems, define clear success metrics, prioritize high-ROI work
• Deep expertise in Python and SQL.
• Demonstrated analytical and problem-solving skills across conceptualization and execution of analytics oriented projects.
• Ability to synthesize diverse information and develop actionable recommendation.
• Ability to manage and prioritize competing activities and achieve tight timelines on complex deliverables. 
• Ability to communicate complex findings clearly in both in written format and verbally to technical and non-technical audiences.

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.