Senior Associate Data Scientist

Socket.dev; New York (NY); On-site; USD 110,000 - 170,000; Full time

Job summary

JPMorgan Chase & Co. is seeking a Senior Data Scientist in Payments Data & Analytics to design and deploy data-driven insights and models. You will work with product teams across the global payments organization on FX, cross-border flows, and multi-currency analytics.

The role emphasizes GenAI, prompt engineering, and scalable AI model integration, partnering with product, engineering, risk, and operations to deliver measurable business impact.

Qualifications

• Bachelor's degree in a quantitative field and 3+ years of data analytics or data science experience.
• Experience designing/building data pipelines for analytical workloads using Python, SQL, and cloud platforms.
• Experience with LLMs/agentic AI, including prompt engineering and multi-agent workflows.
• Proficiency in Python and SQL for data processing and analysis.

Responsibilities

• Design, build, and optimize end-to-end analytics and models for data-driven solutions.
• Ensure data integrity with validation checks and anomaly detection at the data layer.
• Collaborate with data engineering to implement data-driven products efficiently.

Skills

Data analytics

Python

SQL

Cloud platforms

LLMs

Prompt engineering

Communication

Independence

Education

Bachelor's in quantitative field

MS degree (preferred)

Tools

Databricks

AWS

Spark

Hadoop

Job description

Deliver the next generation of Payments products that combine JPMorgan Payments global payment network and data science as part of our Data & Analytics team. Apply advanced analytical and AI/MLexpertiseto deliver impactful, client-focused solutions.

As a Data Scientist Senior Associate within the Payments Data & Analytics team, you will partnerclosely with product teamsacross ourglobal payments organizationto deliver data-driven insightsand algorithmsacross domains like Foreign Exchange (FX)and Supply Chain Finance. You willcontribute to the next generation ofPayments and Treasury Servicesproducts, drawing on a blend of consulting, data science, andapassion forhow we do things better withGenAI. Youwillwork onpayments domains likeFX — including currency conversion modeling, cross-border payment pattern analysis, FX rate optimization, and client behavior analytics — to drive new product development, GTM strategy, andclient outcomes. You will collaborate with cross-functional partners across product, engineering, sales, and risk to define problems, scope solutions, and deliver high-quality analytical models. The team supports both internal and external payment intelligence applications, as well as custom client analytics requests on an ad-hoc basis.

This roleis ideal forsomeone that wants todrive innovativeproductscombininga deep interest inbanking and payments,AIanddata science.

Job Responsibilities

• Design, build, and optimize end-to-end analytics and models to power data-driven solutions, evaluating and improving performance by identifying bottlenecks in throughput, latency, and resource utilization
• Drive and improvequalityacross productsincluding validation checks, reconciliation logic, and anomaly detection at the data layer, to ensure the integrity of analytical outputs used for client-facing products and internal decision-making.
• Collaborate with data engineering teams toimplementdata-drivenproductsefficientlytooptimizeperformanceand ensureaccuracy,cost-discipline, andefficiencyacrossDatabricks/cloud environments.
• Develop andmaintainanalytical modelsenablingdynamicpayment executionandanalytics solutionsinforming ourproduct strategyand clientengagement.
• Perform exploratory statistics and data miningacross Payments’ data assetsto uncover trends, anomalies, and opportunities for product improvements.
• Leverage experience with Large Language Models (LLMs) and agentic AI techniques to prototype and deploy generative AI capabilities that enhance analytics workflows. Design and refine prompts to improve AI model performance and align outputs with business goals.
• Architect and own scalable frameworks for AI model integration across business applications, mentoring junior team members on implementation ofbest practices and ensuring solutions can adapt and expand as the business evolves.
• Monitor AI model performance,identifyareas for enhancement, and implement updates tomaintainquality and relevance.
• Partner with the FX product team and key stakeholders to translate business needs into well-scoped analytical problem statements and execution plans, with emphasis on FX domain nuances such as multi-currency settlement, corridor-level economics, and regulatory considerations.
• Collaborate across product, engineering, risk, and operations teams on agile squads to deliver comprehensive, data-driven solutions with tangible commercial impact for clients and customers.
• Drive data science and analytics strategies, communicating findings, obstacles, and recommendations to stakeholders to accelerate delivery to market.

Required Qualifications, Capabilities, and Skills

• Bachelor's degree in a relevant quantitative field (e.g., STEM, Economics, Finance) and 3+ years of data analytics or data science experience, or an advanced degree and 2+ years of experience.
• Experience designing and building data pipelines for analytical workloads, including data ingestion, transformation, and orchestration using Python, SQL, and cloud-based platforms.
• Experience with LLMs and agentic AI techniques, including prompt engineering, multi-agent workflows, and GenAI application prototyping.
• Proficiencyin Python and SQL for data processing and analysis.
• Strong problem-solving, critical thinking, and communication skills, with the ability to convey complex information to both technical and non-technical audiences.
• Intellectual curiosity for solving business problems and an aptitude for learning new theory and technology.
• Ability to drive work forward independently while collaborating effectively across teams,maintaininghigh accountability for deliverables and timelines.

Preferred Qualifications, Capabilities, and Skills

• Knowledge& experienceofPaymentsincluding familiarity withpayment execution, currency conversion mechanics, cross-border payment flows, and multi-currency settlement processes.
• Familiarity with AWS and Databricks for data management and analysis.
• Experience building and deploying AI agents and iterating designs to enhance functionality and user experience.
• Awareness of big data technologies (e.g., Hive, Hadoop, Spark) and distributed computing concepts.
• M.S. degree or equivalent in a quantitative discipline.

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.