Job Description

Build products that help customers move forward with confidence in one of life's biggest purchases. In this role, you'll turn digital behavior and performance data into insights that shape strategy and improve conversion across the customer journey. You'll work side-by-side with Product, Technology, Design, and Risk partners to deliver measurable outcomes. If you enjoy owning analyses end-to-end and applying modern machine learning to real customer problems, you'll thrive here.

Job Summary

As a Data Scientist within the Auto Finance Data & Analytics team, you will leverage advanced analytics and artificial intelligence and machine learning (AI/ML) to support product teams, build analytical solutions, guide strategic business decisions, and enable growth initiatives. You will partner closely with Product, Technology, Design, Risk, and other cross-functional teams to translate complex business questions into analytical and AI/ML solutions. You will combine hands-on technical execution with business judgment and clear, data-driven storytelling. You will help establish and evolve the measurement frameworks that keep leaders informed and teams accountable.

Job Responsibilities

• Conduct deep-dive analyses to generate actionable insights and recommendations that streamline processes and uncover opportunities for product innovation and growth.
• Present insights and recommendations to business leaders using clear, data-driven storytelling to help guide strategic direction.
• Partner with Business, Product, and Technology teams to implement data-driven strategies and models that drive growth and customer engagement.
• Develop and apply statistical analyses and mathematical models to identify trends and patterns in complex data.
• Leverage firm-approved AI tools (for example, LLM Suite and GitHub Copilot) to accelerate analysis and identify opportunities for innovation.
• Analyze the end-to-end digital customer engagement funnel and recommend improvements to increase conversion.
• Evolve and refine measurement frameworks and key performance indicators, highlighting anomalies and trends to senior leaders.

Required Qualifications, Capabilities, and Skills

• Three years of relevant experience in data science, machine learning, or a related field.
• Demonstrated experience translating digital customer behavior data into actionable insights and recommendations for business leaders.
• Demonstrated experience defining key performance indicators, building measurement frameworks, and monitoring for anomalies in digital product performance.
• Proficiency developing predictive models and applying classification algorithms (for example, logistic regression, k-nearest neighbors, random forest, and gradient boosting).
• Solid understanding of statistical concepts for data analysis and experience designing and evaluating A/B experiments.
• Hands-on experience with SQL and Python for data extraction, analysis, and model development.
• Experience using analytics and visualization tools such as Adobe Analytics and Tableau (or equivalent tools).
• Strong ability to synthesize complex analytical results and communicate recommendations to executive, business, and technical stakeholders.

Preferred Qualifications, Capabilities, and Skills

• Experience building conversational artificial intelligence solutions and orchestrating machine learning services into an end-to-end application.
• Amazon Web Services (AWS) Certified Cloud Practitioner certification.

About Us

Chase is a leading financial services firm, helping nearly half of America's households and small businesses achieve their financial goals through a broad range of financial products. Our mission is to create engaged, lifelong relationships and put our customers at the heart of everything we do. We also help small businesses, nonprofits and cities grow, delivering solutions to solve all their financial needs.

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.

Equal Opportunity Employer/Disability/Veterans

About the Team

Our Consumer & Community Banking division serves our Chase customers through a range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. We're proud to lead the U.S. in credit card sales and deposit growth and have the most-used digital solutions - all while ranking first in customer satisfaction.

The CCB Data & Analytics team responsibly leverages data across Chase to build competitive advantages for the businesses while providing value and protection for customers. The team encompasses a variety of disciplines from data governance and strategy to reporting, data science and machine learning. We have a strong partnership with Technology, which provides cutting edge data and analytics infrastructure. The team powers Chase with insights to create the best customer and business outcomes.