Flow Product Owner - Senior Associate

Location: Bengaluru, Karnataka, India

Job Family: Product Portfolio & Delivery

About the Role

At JP Morgan Chase, we are at the forefront of transforming the financial services landscape through innovative technology solutions. As a Flow Product Owner - Senior Associate in our Corporate & Investment Bank (CIB) division, you will be instrumental in driving the end-to-end transformation and simplification of commercial lending applications. Based in our state-of-the-art technology center in Bengaluru, Karnataka, India, this role sits within the Product Portfolio & Delivery category and offers the opportunity to shape products that power global commercial banking operations. You will collaborate with diverse teams to enhance flow-based lending processes, ensuring they are efficient, scalable, and compliant with stringent regulatory standards that define the industry. In this pivotal role, you will own the product lifecycle from ideation to deployment, defining clear roadmaps that align with JP Morgan Chase's commitment to client-centric innovation. Responsibilities include eliciting requirements from business units, prioritizing features that streamline loan flows, and leveraging agile practices to deliver value iteratively. You will work closely with engineers, analysts, and compliance experts to modernize legacy systems, incorporating cutting-edge technologies like automation and AI to reduce operational friction in commercial lending. Your efforts will directly contribute to improving client experiences for JP Morgan's vast network of corporate clients worldwide, while mitigating risks inherent in high-stakes financial transactions. We seek a strategic thinker with deep expertise in financial services product management, passionate about simplifying complex workflows in a regulated environment. This position not only demands technical acumen but also the ability to foster collaboration across global teams, driving measurable outcomes that advance JP Morgan Chase's digital agenda. Join us in Bengaluru to be part of a dynamic culture that values innovation, inclusivity, and professional growth, where your contributions will have a lasting impact on the future of banking.

Key Responsibilities

• Lead the product vision and roadmap for flow-based commercial lending applications, ensuring alignment with JP Morgan Chase's strategic goals in Corporate & Investment Bank (CIB)
• Collaborate with cross-functional teams including developers, designers, and business stakeholders to define user stories and prioritize backlogs
• Drive the simplification and transformation of legacy lending systems to enhance efficiency, user experience, and compliance with global regulations like Basel III
• Conduct market analysis and gather requirements from clients and internal partners to innovate product features in commercial lending
• Facilitate agile ceremonies such as sprint planning, daily stand-ups, and retrospectives to deliver high-quality increments
• Monitor product performance using KPIs and analytics, iterating based on feedback from end-users in the financial services ecosystem
• Ensure seamless integration with JP Morgan's broader technology stack, including risk management and core banking systems
• Manage risks associated with product delivery, including cybersecurity and data privacy in line with firm-wide policies
• Mentor junior team members and contribute to the continuous improvement of product delivery practices within the Bengaluru technology center

Required Qualifications

• Bachelor's degree in Computer Science, Finance, Business Administration, or a related field
• Minimum of 5 years of experience in product ownership, agile methodologies, or product management within financial services
• Proven track record in leading digital transformations in commercial lending or similar banking applications
• Strong understanding of commercial lending processes, including loan origination, underwriting, and servicing
• Experience with stakeholder management across technology, business, and compliance teams in a global financial institution
• Proficiency in agile tools such as Jira, Confluence, or Azure DevOps
• Ability to work in a fast-paced environment with a focus on regulatory compliance in the banking sector

Preferred Qualifications

• Advanced degree (MBA or Master's in Finance) with a focus on fintech or financial engineering
• Experience in large-scale application modernization projects at a tier-1 bank like JP Morgan Chase
• Knowledge of cloud platforms such as AWS or Azure in the context of financial services
• Certification in Scrum Product Owner (CSPO) or similar agile frameworks
• Prior exposure to data analytics and AI-driven enhancements in lending products

Required Skills

• Product ownership and agile methodologies
• Commercial lending domain knowledge
• Stakeholder management and communication
• User story writing and backlog prioritization
• Financial regulations and compliance (e.g., KYC, AML)
• Application transformation and modernization
• Data analytics and performance metrics
• Risk assessment in financial products
• Cross-functional team leadership
• Problem-solving and decision-making
• Technical proficiency in APIs and integration
• Customer-centric design thinking
• Project management tools (Jira, Confluence)
• Adaptability in a dynamic banking environment
• Innovation in fintech solutions

Benefits

• Competitive base salary and performance-based annual bonuses aligned with JP Morgan Chase's compensation philosophy
• Comprehensive health insurance coverage including medical, dental, and vision plans for employees and dependents
• Retirement savings plan with generous company matching contributions to support long-term financial security
• Paid time off including vacation, sick leave, and parental leave policies
• Professional development opportunities through internal training programs and access to global learning platforms like JP Morgan's Learning Portal
• Employee wellness programs featuring fitness reimbursements, mental health support, and onsite facilities in Bengaluru
• Flexible work arrangements including hybrid options and support for work-life balance
• Stock purchase plan allowing participation in JP Morgan Chase's equity growth

JP Morgan Chase is an equal opportunity employer.