Vice President, Data Scientist â Credit Risk, Risk Insights - Chase

Job Description

Join a high-impact team shaping credit strategy across consumer and small business lending erage Chaseâs crossâlineâofâbusiness data and your advanced analytics skills to surface emerging risks, guide portfolio decisions, and protect customers through cycles. Youâll operate at the intersection of data science, macro insights, and credit risk, presenting timely intelligence to senior CCB (Consumer and Community Bank) Risk leaders. If you thrive in dynamic environments and love turning complex data into clear actions, this role is for you.

As a Vice President, Data Scientist in the Chase 360 Payment Analytics team within CCB Risk Insights, you will leverage crossâLOB customer data to generate insights on consumer and smallâbusiness health, inform and influence credit strategy, and build attributes that power credit models and decisions. You will own endâtoâend analytical workâfrom data engineering and feature development to modeling, interpretation, and executive storytellingâdelivering timely, highâimpact insights and dashboards that influence strategic choices across Card, Auto, Home Lending, and Business Banking.

You will independently research emerging risks, synthesize external publications and data releases, and partner across Chase 360 to drive scalable solutions and measurable business outcomes.

• Generate timely insights on consumer and smallâbusiness health using crossâLOB data to identify, quantify, and monitor emerging credit risks.
• Inform and influence credit strategies across Card, Auto, Home Lending, and Business Banking with dataâdriven recommendations and scenario analysis.
• Engineer and maintain highâquality attributes/features to support credit models, segmentation, and policy execution.
• Design and execute advanced analytics (e.g., risk segmentation, earlyâwarning signals, stress indicators) to track portfolio trends and headwinds.
• Build and automate dashboards and recurring reports that translate complex analytics into clear, actionable leadership narratives.
• Conduct independent research on macro, industry, and payment trends; connect external developments to portfolio risks and opportunities.
• Analyze peer publications and public data releases to produce differentiated viewpoints for CCB Risk leadership.
• Partner with data engineering, model, and product teams to operationalize insights and ensure scalability, resiliency, and governance.
• Manage crossâfunctional projects endâtoâend, aligning stakeholders, defining milestones, and delivering on time in a fastâpaced environment.
• Communicate findings to technical and nonâtechnical audiences, using crisp narratives, visuals, and executiveâready materials.
• Champion best practices in code quality, reproducibility, and model/metric documentation to elevate team capabilities.

• Advanced degree (MS preferred) in statistics, econometrics, or related quantitative field with minimum 7 years in risk management or quantitative roles; or BS with minimum 8 years relevant experience.
• Experience in consumer financial services with a focus on credit risk analytics and portfolio monitoring across the credit lifecycle.
• Strong Python proficiency (data wrangling, modeling, visualization, automation) and productionâgrade code practices.
• Advanced SQL skills with proven ability to query, transform, and QC large, complex datasets from multiple sources.
• Demonstrated ability to build, maintain, and validate attributes/features for credit models and strategy execution.
• Track record of delivering timeâcritical analytical reports/dashboards to senior stakeholders with clear, actionable insights.
• Strong quantitative problemâsolving, hypothesisâdriven analysis, and experimental design skills.
• Excellent communication skills, translating technical analyses into concise recommendations for leadership.
• Selfâstarter with ownership mindset; proven ability to drive ambiguous problems to scalable solutions under tight timelines.
• Familiarity with integrating external data/publications and macro trends into credit risk assessments.
• Project management experience leading crossâfunctional initiatives from…