ChaseNet is JPMorganChase's proprietary closed-loop payments network that connects Chase-issued cardholders directly with merchants acquired by Chase Merchant Services. By routing eligible transactions through a single Chase-owned rail rather than the traditional open-loop network, ChaseNet simplifies the economics of card acceptance, enables customized pricing constructs, and delivers richer transaction data to both merchants and the firm. ChaseNet supports some of the largest merchants in the United States and plays a central role in Chase's merchant services growth strategy.
As a ChaseNet Data Scientist, Associate in the ChaseNet Analytics team, you will work with large and complex payments datasets to generate insights that inform pricing strategy, merchant profitability, portfolio performance, and strategic decision-making.
Manage, transform, and analyze large payments datasets to support ChaseNet pricing, profitability, and portfolio optimization initiatives.
Design, build, and maintain recurring and ad-hoc reporting that provides visibility into ChaseNet performance, revenue drivers, and merchant economics.
Develop analytical frameworks and models to evaluate pricing scenarios, interchange impacts, repricing opportunities, and merchant business cases.
Partner with product, pricing, finance, and relationship management teams to translate business questions into structured analyses and clear recommendations.
Write efficient, well-documented SQL and Python code to extract, process, and analyze data from large-scale payments platforms.
Support governance, quality control, and process improvement across analytics workflows, including automation and documentation.
Communicate findings clearly to both technical and non-technical audiences through written narratives, visualizations, and presentations.
Contribute to innovation initiatives, including the use of AI and emerging technologies to improve analytical capabilities and decision support.
Undergraduate degree required; MBA preferred.
Understanding of SQL-based coding and Python.
Consulting orientation with the ability to influence both internal and external business partners.
3+ years of experience in the payments industry and/or technology-enabled industries (preferred but not required).
Understanding of the payments value chain, including merchants, brands, acquirers, networks, and issuers (preferred but not required).
Proven experience working in large teams in an advanced analytical environment.
Proven experience with emerging technologies related to insights and the ability to do rapid prototyping (in Tableau).
Ability to synthesize data sets into streamlined, clear, and actionable messages.
Experience creating business initiatives and communicating ideas with a digitally focused and data-driven mindset.
Proven ability to develop relationships with a wide array of partners, executives, and customers.
AI/ML and automation skills, AI/ML solutions creation, and software engineering skills preferred.
Working knowledge of the credit card value chain, including the roles of issuers, acquirers, networks, processors, and merchants.
Familiarity with network fees and interchange economics, including how interchange categories, assessments, and network-level fees are structured.
Familiarity with processing fees and merchant pricing constructs such as interchange-plus, blended pricing, and tiered pricing.
Exposure to ChaseNet or other closed-loop or on-us payment constructs.
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.
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JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans
With a history tracing its roots to 1799 in New York City, JPMorganChase is one of the world's oldest, largest, and best-known financial institutions—carrying forth the innovative spirit of our heritage firms in global operations across 100 markets.
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