Data Scientist Lead - Vice President – Payments Data and Analytic

JPMorgan Chase · Jersey City

Join the Payments Data and Analytics team to build the next generation of agentic treasury capabilities. In this role, you will shape how AI-enabled products improve cash management, liquidity insights, exception handling, and treasury decision support. You will work with product, engineering, operations, and control partners to deliver solutions that are scalable, measurable, and well-governed. You will help turn complex problems into intuitive experiences for clients and internal users. You will grow your leadership while driving meaningful business outcomes.

Job Summary

As a Data Scientist, Vice President in Payments Data and Analytics, you will lead the design and delivery of AI, machine learning, and agent-based solutions that modernize treasury and payments capabilities. You will translate treasury and payments needs into data-driven products by partnering with product, engineering, operations, risk, and controls stakeholders. You will own delivery end-to-end—from problem framing and modeling through deployment, monitoring, and continuous improvement. You will set clear success metrics and ensure solutions meet expectations for quality, explainability, and control alignment. You will influence roadmap decisions through strong technical judgment and stakeholder leadership.

You will help build reusable patterns for agent orchestration, evaluation, monitoring, and human review that can scale across treasury use cases. You will be expected to make independent decisions, proactively identify risks and gaps in data or model behavior, and drive resolution with partners. Success in this role requires strong technical depth, a product mindset, and the ability to communicate clearly with both technical and non-technical audiences.

Job Responsibilities

Design, build, and deploy AI agents and agent-based workflows for treasury use cases, including cash positioning, liquidity forecasting, exception handling, and treasury insights
Develop machine learning models for cash-flow forecasting, payment behavior analytics, working-capital insights, anomaly detection, and decision support
Build reusable frameworks for orchestration, prompt design, retrieval-augmented generation, evaluation, monitoring, human review, and model governance
Own the end-to-end data science lifecycle, including problem definition, data discovery, feature engineering, modeling, validation, deployment, monitoring, and continuous improvement
Partner with product and engineering teams to translate AI opportunities into product features, technical requirements, and measurable business outcomes
Collaborate across operations, risk, controls, legal, compliance, and sales to deliver scalable, controlled, client-focused solutions
Monitor model and agent performance across accuracy, drift, latency, explainability, adoption, escalation rates, and business impact
Review and validate AI-assisted outputs for accuracy, completeness, relevance, source consistency, and alignment with controls
Identify and escalate concerns related to AI risk, data quality, privacy, controls, model risk, or automation when outputs are unsupported or inconsistent with source information
Mentor junior data scientists and analysts on experimentation, evaluation, responsible AI, and stakeholder communication

Required Qualifications, Capabilities, and Skills

Bachelor’s degree in a quantitative field (for example: Computer Science, Data Science, Statistics, Mathematics, Engineering, Economics, or Finance)
Five years or more of experience in data science, machine learning, applied AI, or advanced analytics
Hands-on experience developing machine learning models and analytical pipelines for business-facing or client-facing use cases
Hands-on experience with large language models, generative AI applications, AI agents, prompt engineering, retrieval-augmented generation, or multi-agent workflows
Strong Python and SQL skills for data processing, analysis, modeling, experimentation, and automation
Experience building data pipelines for ingestion, transformation, orchestration, feature engineering, validation, reconciliation, and monitoring
Strong understanding of model evaluation, experimentation, statistical analysis, data quality practices, and performance monitoring (including drift detection)
Ability to define model objectives, evaluation criteria, success metrics, and acceptance thresholds aligned to business outcomes
Ability to translate ambiguous business problems into structured approaches, delivery plans, and measurable outcomes
Strong understanding of responsible AI practices, including output validation, human oversight, documentation, and escalation of AI-related risks
Strong communication and stakeholder-management skills, including the ability to explain complex concepts to technical and non-technical audiences

Preferred Qualifications, Capabilities, and Skills

Advanced degree in a quantitative discipline
Experience in treasury, cash management, liquidity, payments, accounts payable, accounts receivable, or working capital
Experience building or deploying agent-based solutions that integrate structured data, unstructured data, tools, APIs, and human review
Experience with Databricks, AWS, Spark, Hive, Hadoop, or other distributed data and compute platforms
Knowledge of data governance, model governance, responsible AI, information handling, auditability, and control expectations for AI-enabled capabilities
Experience with forecasting, anomaly detection, natural language processing, optimization, graph methods, or treasury decision support analytics
Financial services experience, ideally in payments, treasury, liquidity, receivables, payables, or transaction banking

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

Lead AI and analytics to modernize treasury and cash management with scalable, governed agent workflows.

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