Payments Business Transformation- Data Scientist Lead - Vice President

Location: Plano, TX, United States

Job Family: Predictive Science

About the Role

At JP Morgan Chase, we are at the forefront of reimagining the future of payments through innovative data-driven solutions. As a Payments Business Transformation - Data Scientist Lead - Vice President in our Predictive Science team, you will play a pivotal role in transforming vast amounts of payments data into actionable business insights. Based in our state-of-the-art facility in Plano, TX, you will lead efforts to enhance customer experiences by leveraging advanced analytics and machine learning to optimize transaction processing, detect fraud in real-time, and drive personalization in our global payments ecosystem. This position offers the opportunity to collaborate with top-tier talent across Chase's Payments Transformation business, contributing to initiatives that serve millions of customers worldwide while navigating the complexities of financial regulations and emerging technologies like digital wallets and blockchain. In this leadership role, you will spearhead the design and deployment of predictive models that uncover hidden patterns in transaction data, enabling faster, more secure, and efficient payment solutions. You will work closely with product, engineering, and risk management teams to integrate data science into core business processes, ensuring alignment with JP Morgan Chase's commitment to innovation and client-centricity. Responsibilities include mentoring a team of data scientists, conducting rigorous model validation, and presenting strategic recommendations to senior executives. Your work will directly impact key metrics such as payment approval rates, customer satisfaction scores, and operational cost reductions, all while adhering to stringent compliance standards in the financial services industry. We seek a visionary leader passionate about using data to solve real-world challenges in fintech. Joining JP Morgan Chase means becoming part of a dynamic culture that values diversity, inclusion, and continuous learning. This Vice President-level position not only offers intellectual stimulation but also the chance to influence the evolution of global payments at one of the world's leading financial institutions. If you thrive in a collaborative, high-impact environment and have a proven track record in data science within banking, we invite you to bring your expertise to our team in Plano, TX.

Key Responsibilities

• Lead the development of advanced predictive models to analyze payments data, identifying trends and opportunities for business transformation at JP Morgan Chase
• Collaborate with cross-functional teams including product managers, engineers, and compliance experts to enhance customer experiences in the Payments Transformation business
• Design and implement data pipelines for processing high-volume transaction data, ensuring scalability and security in a regulated financial environment
• Drive innovation by applying machine learning techniques to optimize payment processing efficiency, fraud detection, and personalized customer services
• Mentor junior data scientists and foster a culture of data-driven decision-making within the Predictive Science team
• Conduct A/B testing and experimentation to validate model performance and business impact in payments workflows
• Partner with senior leadership to translate data insights into strategic initiatives that support JP Morgan Chase's global payments ecosystem
• Ensure all data science practices comply with internal governance, data privacy laws (e.g., GDPR, CCPA), and banking regulations
• Monitor and refine models in production to adapt to evolving market conditions and technological advancements in fintech
• Contribute to thought leadership by presenting findings at internal forums or industry conferences on payments data science

Required Qualifications

• Bachelor's degree in Computer Science, Data Science, Statistics, Mathematics, or a related quantitative field; Master's or PhD preferred
• 8+ years of experience in data science, machine learning, or predictive analytics within the financial services industry
• Proven track record of leading data science teams and delivering data-driven business transformations in payments or fintech domains
• Expertise in developing and deploying machine learning models for large-scale financial datasets
• Strong understanding of payments processing, regulatory compliance (e.g., PCI DSS, AML), and financial transaction data
• Experience with cloud platforms such as AWS, Azure, or Google Cloud for data processing and model deployment
• Ability to communicate complex data insights to non-technical stakeholders in a fast-paced banking environment

Preferred Qualifications

• Advanced degree in a quantitative field with a focus on financial engineering or econometrics
• Prior experience at a major financial institution like JP Morgan Chase, working on payments innovation or digital transformation projects
• Certification in data science (e.g., AWS Certified Machine Learning, Google Professional Data Engineer) or financial analytics
• Familiarity with blockchain, real-time payments systems (e.g., RTP, FedNow), or emerging fintech technologies
• Publication record in data science conferences or journals related to financial services

Required Skills

• Proficiency in Python or R for data analysis and machine learning
• Expertise in machine learning frameworks like TensorFlow, PyTorch, or Scikit-learn
• Strong SQL and data querying skills for handling large financial datasets
• Experience with big data tools such as Hadoop, Spark, or Kafka
• Knowledge of statistical modeling, time-series analysis, and anomaly detection
• Familiarity with data visualization tools like Tableau, Power BI, or Matplotlib
• Understanding of financial data structures, including transaction logs and payment APIs
• Cloud computing skills in AWS (e.g., S3, EC2, SageMaker) or equivalent
• Leadership and project management abilities for team coordination
• Excellent problem-solving and critical thinking in high-stakes environments
• Communication skills for presenting insights to executives
• Agile methodologies and DevOps practices for model deployment
• Domain knowledge in fraud analytics and risk modeling
• Ethical AI practices and bias mitigation in financial applications
• Adaptability to regulatory changes in the banking sector

Benefits

• Competitive base salary and performance-based annual bonus
• Comprehensive health, dental, and vision insurance plans
• 401(k) retirement savings plan with generous company matching
• Paid time off including vacation, sick leave, and parental leave
• Professional development opportunities through JP Morgan's internal training programs and tuition reimbursement
• Employee stock purchase plan and financial wellness resources
• On-site fitness centers, wellness programs, and mental health support
• Relocation assistance for eligible roles in Plano, TX

JP Morgan Chase is an equal opportunity employer.