Applied AI ML Senior Associate

JPMorgan Chase & Co.; Greater London; On-site; GBP 75,000 - 90,000; Full time

Job summary

A global financial services leader in the UK is seeking a Senior Associate for their International Consumer Banking Risk Modelling team. You will develop state-of-the-art machine learning models to address credit risk and fraud. Ideal candidates should possess an advanced degree in a quantitative discipline and at least 4 years of applicable experience. The role calls for proficient programming skills in Python and expertise in machine learning toolkits such as NumPy and TensorFlow. Join us in shaping the future of banking!

Qualifications

• Proficient in Python with production-quality coding experience.
• At least 4 years of experience in applied data science or ML.
• Solid understanding of machine learning and deep learning methods.

Responsibilities

• Develop machine learning models for risk management.
• Collaborate with teams to address AI needs.
• Build end-to-end ML pipelines for decision-making.

Skills

Python programming

Machine learning techniques

Statistical analysis

Data visualization

Communication skills

Education

Advanced degree (MSc or PhD) in a quantitative or technical discipline

Tools

NumPy

Scikit-Learn

Pandas

TensorFlow

PyTorch

Job description

• Business Unit Consumer & Community Banking
• Posting Date 12/10/2025, 09:24 AM
• Locations 25 Bank Street, Canary Wharf, London, Greater London, E14 5JP, GB
• Job Schedule Full time

Job Description

The ICB (International Consumer Banking) business within JPMorgan Chase has grown significantly since its launch in 2021, and we expect the business to expand further over the next years. Join the expansion of the Chase digital bank across the UK and Europe and help us continue to build our award-winning bank.

The ICB Risk Modelling team is responsible for developing statistical and machine learning models to reduce fraud and credit risk within ICB. The team also engages with external vendors supporting onboarding vendor models including working through Model Governance to obtain appropriate approvals for different uses. The team executes and prepares model surveillance while providing insights for various regulatory requirements.

As a Senior Associate in the ICB Risk Modelling team, you will play a crucial role in analysing business problems, experimenting with state-of-the-art algorithms, and developing machine learning and deep learning models. You will be part of an innovative team, working closely with our product owners, risk officers, data engineers, and software engineers to build new models and systems. We are looking for someone with a passion for programming, data, statistics, and ML, who can understand the strategic demands and data landscape in large and complex organisations.

Job Responsibilities

• Develop state-of-the-art machine learning models to solve real-world risk problems and enhance automation and decision‑making processes.
• Assist product leadership in defining the problem statements and execution roadmap.
• Collaborate with business, operations, and other technology colleagues to understand AI needs and devise possible solutions.
• Develop end‑to‑end ML pipelines and operationalise the end‑to‑end orchestration of the ML models to support various use cases such as credit risk management, portfolio monitoring, fraud risk prevention, and customer profiling.
• Build both batch and real‑time model prediction pipelines with existing applications and front‑end integrations.
• Collaborate to develop large‑scale data modelling experiments and explain complex concepts to senior stakeholders.
• Work with multiple partner teams, such as Strategy, Technology, Product Management, Legal, Compliance, and Business Management, to deploy solutions that meet the firm’s high governance standards.

Required Qualifications, Capabilities, and Skills

• Advanced degree (MSc or PhD) in a quantitative or technical discipline, or significant practical experience in the industry.
• Proficient Python programming skills with hands‑on experience in writing production‑quality code.
• At least 4 years of experience in applied data science, ML techniques, or software engineering.
• Solid understanding of machine learning and deep learning methods, and familiarity with large language models.
• Extensive experience with machine learning and deep learning toolkits (e.g. NumPy, Scikit‑Learn, Pandas, Hugging Face, TensorFlow, PyTorch, etc.).
• Experience in building and deploying ML models on AWS, especially using AWS tools like SageMaker, EC2, Glue, etc.
• Experience with Big Data and scalable model training, along with solid written and spoken communication skills to effectively communicate technical concepts and results to both technical and business audiences.
• Excellent communication skills and a team player.

Preferred Qualifications, Capabilities, and Skills

• Experience with ML model explainability.
• Knowledge of credit scorecards and credit risk management is a plus.

About Us

J.P. Morgan is a global leader in financial services, providing strategic advice and products to the world’s most prominent corporations, governments, wealthy individuals and institutional investors. Our first‑class business in a first‑class way approach to serving clients drives everything we do. We strive to build trusted, long‑term partnerships to help our clients achieve their business objectives.
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.

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.