Home Lending Data & Analytics – Applied AI/ML Engineer

Location: Jacksonville, FL, United States

Job Family: Predictive Science

About the Role

At JPMorgan Chase, we are at the forefront of transforming the financial services industry through innovative data and analytics solutions. As a Home Lending Data & Analytics – Applied AI/ML Engineer at the VP level within our Predictive Science category, you will play a pivotal role in leveraging artificial intelligence and machine learning to revolutionize home lending operations. Based in our Jacksonville, FL office, you will join a dynamic team dedicated to building predictive models that enhance credit decisioning, personalize customer experiences, and mitigate risks in the mortgage sector. This position offers the opportunity to work on cutting-edge projects that directly impact millions of customers, utilizing vast datasets from loan applications, market indicators, and behavioral analytics to drive strategic insights. Your core responsibilities will include designing, developing, and deploying scalable AI/ML models tailored to the unique challenges of home lending, such as fraud detection, affordability forecasting, and portfolio optimization. You will collaborate closely with business leaders, data engineers, and compliance teams to ensure models are not only accurate but also interpretable and compliant with stringent financial regulations. By integrating advanced techniques like natural language processing for document analysis and time-series forecasting for interest rate predictions, you will contribute to JPMorgan Chase's mission of delivering superior client outcomes while maintaining the highest standards of data security and ethical AI practices. In this role, you will thrive in a collaborative environment that values innovation and continuous learning, with access to state-of-the-art tools and resources. Whether optimizing algorithms for real-time processing or experimenting with generative AI for scenario simulations, your work will help shape the future of responsible lending at one of the world's leading financial institutions. If you are passionate about applying AI to solve complex problems in finance, join us to make a meaningful difference in the home lending landscape.

Key Responsibilities

• Develop and deploy advanced AI/ML models to enhance home lending processes, including credit risk assessment and customer personalization
• Collaborate with cross-functional teams in Home Lending to identify data-driven opportunities for predictive analytics
• Analyze large datasets from mortgage applications, payment histories, and market trends to build robust forecasting models
• Ensure model compliance with JPMorgan Chase's risk management standards and regulatory requirements
• Optimize ML pipelines for scalability and efficiency using cloud-based infrastructure
• Conduct A/B testing and performance monitoring of deployed models to drive business impact
• Mentor junior data scientists and contribute to the evolution of the Predictive Science team
• Stay abreast of emerging AI technologies and integrate them into home lending strategies
• Document model methodologies and present findings to senior stakeholders in the financial services domain
• Support fraud detection and anomaly identification in home lending portfolios using applied ML techniques

Required Qualifications

• Bachelor's degree in Computer Science, Data Science, Statistics, or a related quantitative field; advanced degree preferred
• 5+ years of experience in applied AI/ML engineering, with a focus on predictive modeling in financial services
• Proficiency in Python, R, or similar programming languages for data analysis and machine learning implementation
• Hands-on experience with machine learning frameworks such as TensorFlow, PyTorch, or Scikit-learn
• Strong understanding of data privacy regulations like GDPR and CCPA, especially in the context of financial data handling
• Experience working with large-scale datasets in cloud environments (e.g., AWS, Azure, or GCP)
• Demonstrated ability to deploy ML models into production environments within a regulated industry

Preferred Qualifications

• Master's or PhD in AI, Machine Learning, or a related field
• Prior experience in the banking or mortgage lending sector, particularly with home lending analytics
• Familiarity with JPMorgan Chase's internal tools and data platforms
• Certifications in AI/ML (e.g., Google Professional Machine Learning Engineer) or cloud computing
• Experience with explainable AI techniques for compliance in financial applications

Required Skills

• Machine Learning Algorithms
• Deep Learning Frameworks (TensorFlow, PyTorch)
• Data Preprocessing and Feature Engineering
• Python Programming
• SQL and Database Management
• Cloud Computing (AWS, Azure)
• Statistical Modeling and Analysis
• Big Data Tools (Hadoop, Spark)
• Model Deployment and MLOps
• Risk Assessment in Finance
• Problem-Solving and Analytical Thinking
• Communication and Stakeholder Management
• Regulatory Compliance Knowledge
• Version Control (Git)
• Explainable AI Techniques

Benefits

• Competitive base salary and performance-based annual bonuses
• Comprehensive health, dental, and vision insurance plans
• 401(k) retirement savings plan with company matching contributions
• Generous paid time off, including vacation, sick days, and parental leave
• Professional development opportunities, including tuition reimbursement and access to JPMorgan Chase's learning platforms
• Employee stock purchase plan and financial wellness programs
• On-site fitness centers and wellness initiatives at Jacksonville facilities
• Flexible work arrangements, including hybrid options for work-life balance

JP Morgan Chase is an equal opportunity employer.