Commercial Card Payments Product Control -Analyst

Location: Bengaluru, Karnataka, India

Job Family: Controller

About the Role

At JP Morgan Chase, we are at the forefront of financial innovation, and our Commercial Card Payments Product Control team plays a pivotal role in ensuring the accuracy and integrity of our world-class payment solutions. As a Product Control Analyst in Bengaluru, you will join a dynamic team within the Controller category, focusing on commercial card products that empower businesses worldwide. This role offers the opportunity to build a robust career in product control while contributing to one of the most respected names in global banking, where creativity and excellence are not just encouraged but essential to our success. You will work in a collaborative environment that values diverse perspectives and fosters professional growth in the heart of India's vibrant financial hub. In this position, you will be responsible for a range of critical tasks, including performing profit and loss (P&L) analysis, validating transaction data, and ensuring compliance with regulatory standards specific to commercial card payments. You will collaborate closely with product managers, risk analysts, and operations teams to support the end-to-end lifecycle of payment products, from forecasting revenue streams to identifying potential financial risks. Leveraging your expertise in financial reporting and data analysis, you will help drive process efficiencies and provide actionable insights that influence strategic decisions at JP Morgan Chase. This role demands a keen eye for detail and a proactive approach to problem-solving in a fast-paced, global setting. What sets this opportunity apart is the chance to work on cutting-edge initiatives in the commercial payments space, including digital transformation projects and integration with emerging fintech solutions. At JP Morgan Chase, we invest heavily in our employees' development, offering access to top-tier training programs, mentorship from industry leaders, and pathways to advancement across our international network. If you are passionate about the financial services industry and eager to make an impact in a firm that prioritizes innovation and client trust, this Analyst role in Bengaluru is your gateway to a rewarding career.

Key Responsibilities

• Perform daily product control functions for commercial card payments, including P&L analysis and variance reporting
• Monitor and validate transaction data to ensure accuracy and compliance with internal controls
• Collaborate with cross-functional teams in Product, Risk, and Operations to support payment product enhancements
• Develop and maintain financial models for forecasting commercial card revenue and expenses
• Conduct reconciliations between front-office systems and general ledger for card payment activities
• Identify and mitigate financial risks associated with commercial card products
• Prepare regulatory reports and support audits related to payment processing
• Analyze market trends in commercial payments to provide insights for product strategy
• Ensure adherence to JP Morgan Chase's risk management policies and procedures
• Contribute to process improvements and automation initiatives in product control

Required Qualifications

• Bachelor's degree in Finance, Accounting, Economics, or a related field
• 2-4 years of experience in product control, financial analysis, or a similar role within the financial services industry
• Strong understanding of commercial card payments, including transaction processing and regulatory compliance
• Proficiency in financial reporting and analysis, with knowledge of GAAP and IFRS standards
• Experience with data analysis tools and financial software in a banking environment
• Ability to work in a fast-paced, global team setting
• Relevant certifications such as CPA, CFA, or FRM (or progress towards obtaining them)

Preferred Qualifications

• Prior experience at a major financial institution like JP Morgan Chase or similar
• Knowledge of payment systems such as Visa, Mastercard, or proprietary commercial card platforms
• Advanced degree (Master's or MBA) in Finance or Business Administration
• Experience with risk management in card payments products
• Familiarity with Indian financial regulations and SEBI guidelines

Required Skills

• Financial modeling and forecasting
• Data analysis and reconciliation
• Knowledge of payment processing systems
• Proficiency in Excel and financial software (e.g., Alteryx, Tableau)
• Understanding of regulatory compliance in finance
• Strong analytical and problem-solving abilities
• Attention to detail and accuracy
• Effective communication and stakeholder management
• Time management in a deadline-driven environment
• Team collaboration and adaptability
• Risk assessment and mitigation
• SQL or programming for data querying
• Report writing and presentation skills
• Knowledge of banking products and services
• Ethical judgment and integrity

Benefits

• Competitive base salary and performance-based annual bonuses
• Comprehensive health, dental, and vision insurance coverage
• Retirement savings plan with company matching contributions
• Paid time off, including vacation, sick leave, and parental leave
• Professional development programs and tuition reimbursement for advanced education
• Employee stock purchase plan and financial wellness resources
• Global mobility opportunities within JP Morgan Chase
• Wellness programs, including gym memberships and mental health support

JP Morgan Chase is an equal opportunity employer.