CCB Risk Modeling - AI ML Sr. Associate

Job Description

The CCB Risk Modeling team i s seeking talented professionals with expertise in machine learning, explainable AI (XAI), and responsible AI practices, with a focus on credit decision and fraud modeling applications. Our work centers on explainability, fairness, and algorithmic bias — understanding how modern AI systems reason and make decisions across ML systems, next-generation LLMs, and agentic workflows. The ideal candidate will drive these initiatives across model development, tooling, and cross-functional collaboration, ensuring AI/ML solutions meet ethical standards and regulatory expectations.

Key Responsibilities

• Model Development: Design and develop machine learning models to drive impactful decisions across credit decisions and fraud modeling, covering the entire customer lifecycle, including acquisition, account management, transaction authorization, and collections.
• Advanced Machine Learning Techniques: Apply state-of-the-art machine learning methodologies — including deep learning architecture, transformer-based models, and LLMs — on big data platforms to tackle complex business challenges.
• Explainability & Fairness: Develop and maintain tools and frameworks that enhance AI/ML model explainability and fairness, ensuring transparency and ethical use of models.
• Strategic Collaboration: Work closely with senior management to develop and implement ambitious, innovative modeling solutions, ensuring their successful deployment into production environments.
• Cross-Functional Partnership: Collaborate with diverse teams, including risk, technology, model governance, and research, throughout the entire modeling lifecycle—from development and review to deployment and operational use.

Basic Qualifications

• Ph.D. or Master’s degree from a reputable institution in a quantitative discipline such as Computer Science, Mathematics, Statistics, Econometrics, or Engineering.
• 2 years of experience with data analysis in Python.
• Proven track record in designing, building, and deploying high-quality machine learning models in production environments, demonstrating a strong ability to translate theoretical concepts into practical applications.
• In-depth knowledge of advanced machine learning algorithms, including logistic regression, XGBoost, Deep Neural Networks (CNN and RNN), clustering, and recommendation systems, with expertise in model design, hyperparameter tuning, and responsible deployment practices.
• Demonstrated experience in model interpretability and explainability for complex models such as XGBoost and GBM; experience extending these methods to deep learning architectures (CNNs, RNNs, transformers) is a strong plus.
• Familiarity with large language models (LLMs) and their applications, including experience in fine-tuning, prompt engineering, and responsible deployment with appropriate safeguards, monitoring, and auditability.
• Proficiency in Python, TensorFlow, PyTorch, Spark, or Scala, coupled with experience in big data technologies such as Hadoop, AWS, and Hive, and familiarity with MLOps tooling that supports model monitoring, drift detection, and end-to-end auditability.

Preferred Qualifications

• Strong expertise, interest, and track record of performing cutting-edge research on Explainable AI

(XAI) and LLM.

• Demonstrated expertise in data wrangling and model building on a distributed Spark computation environment (with stability, scalability and efficiency). GPU experience is desired.
• Strong ownership and execution; proven experience in implementing models in production.

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.

We offer a broad array of credit cards to meet the needs of individuals and small businesses, including Chase-branded and co-branded cards in partnership with well-known companies and organizations. Merchant Services is a leading provider of payment, fraud and data security for companies, capable of authorizing transactions across global currencies.