AI Risk Intelligence Lead – Consumer & Community Bank

JPMorgan Chase; Wilmington (DE); On-site; USD 180,000 - 240,000; Full time

Job summary

JPMorganChase is seeking an experienced Risk Intelligence & AI Lead in its Risk Insights team to own the development of AI-powered risk intelligence capabilities across consumer banking. You will bridge data science, Generative AI, and risk strategy to design, deploy, and scale LLM-driven solutions, agentic workflows, and analytical tools for executive decision-making.

You will partner with Technology, Data, Risk Management, and Governance to ensure controls, governance, and responsible AI

Qualifications

• 3+ years of experience in data science, risk analytics, AI/ML engineering, or a related quantitative discipline within financial services or a similarly complex, regulated industry
• Bachelor's degree in Computer Science, Data Science, Statistics, Economics, Engineering, or a related quantitative field
• Experience developing and deploying Generative AI or LLM-based solutions, including prompt engineering, retrieval‑augmented generation (RAG), fine‑tuning, or agent‑based architectures
• Strong proficiency in Python and SQL, with demonstrated experience working with large‑scale structured and unstructured datasets
• Proven ability to translate complex analytical findings into clear, concise executive communications and actionable recommendations for senior stakeholders
• Experience building automated data pipelines, reporting workflows, or analytical tools that operate at production scale
• Solid understanding of consumer credit risk, macroeconomic indicators, labor market dynamics, or portfolio performance analytics
• Demonstrated experience partnering with technology, governance, and risk management teams to deliver solutions that meet enterprise‑level controls, model risk management, and responsible AI standards
• Strong knowledge of machine learning frameworks and libraries (e.g., PyTorch, TensorFlow, Hugging Face, LangChain, or equivalent)
• Excellent problem‑solving skills with the ability to work independently, manage ambiguity, and drive projects from concept through production deployment
• Experience with data visualization tools and techniques for communicating risk trends and analytical outputs to non‑technical audience

Responsibilities

• Develop and maintain risk intelligence capabilities that leverage internal and external data sources, large datasets, and analytical tools to monitor consumer and small business health, credit performance, labor market conditions, and macroeconomic developments
• Lead the end-to-end development of Generative AI and Agentic AI capabilities for CCB Risk Insights, including architecture design, prompt engineering, agent orchestration, and deployment of LLM-powered solutions
• Design, build, and maintain AI-powered solutions that automate emerging risk detection, narrative generation, executive reporting, research workflows, and conversational analytics across consumer banking Risk
• Translate complex risk, economic, and portfolio trends into actionable insights, executive-ready communications, and strategic recommendations for senior leadership
• Evaluate, test, and implement new AI technologies, analytical tools, and platforms - developing scalable, repeatable capabilities that improve efficiency, insight quality, and risk monitoring effectiveness
• Partner with Technology, Data, Risk Management, and Governance teams to ensure all analytical and AI solutions comply with firm standards for controls, model governance, security, and responsible AI practices
• Build and refine automated research and reporting pipelines that synthesize structured and unstructured data into timely, high-quality risk intelligence outputs
• Identify and assess emerging risks across consumer and small business portfolios by integrating alternative data, market signals, and macroeconomic indicators into monitoring frameworks
• Develop scalable prototypes and proof‑of‑concept solutions that demonstrate the value of new AI capabilities, driving adoption and stakeholder buy‑in across the organization
• Collaborate cross‑functionally with data engineering, product, and business stakeholders to define requirements, prioritize use cases, and ensure AI solutions address real business needs
• Stay current on advancements in large language models, agentic AI frameworks, and applied AI research, proactively identifying opportunities to enhance Risk Insights capabilities

Job description

JPMorganChase is seeking an experienced Risk Intelligence & AI Lead in its Risk Insights team to own the development of AI-powered risk intelligence capabilities across consumer banking. You will bridge data science, Generative AI, and risk strategy to design, deploy, and scale LLM-driven solutions, agentic workflows, and analytical tools for executive decision-making.

You will partner with Technology, Data, Risk Management, and Governance to ensure controls, governance, and responsible AI