Liquidity & Account Solutions- Payments Senior Product Associate

Location: Jersey City, NJ, United States

Job Family: Product Management

About the Role

At JP Morgan Chase, we are at the forefront of financial innovation, and our Liquidity & Account Solutions team is pivotal in delivering cutting-edge payment products that empower clients worldwide. As a Payments Senior Product Associate in Jersey City, NJ, you will play a key role in shaping and optimizing our offerings to meet the evolving needs of corporate and institutional clients. This position within the Product Management category involves promoting innovation through product development and analysis, ensuring our solutions drive efficiency, reduce costs, and enhance liquidity management in a dynamic global market. You will work closely with diverse teams to transform complex financial challenges into streamlined, technology-enabled products that align with JP Morgan Chase's commitment to excellence in financial services. In this role, you will dive deep into the product lifecycle, from ideation and market research to launch and continuous improvement. Responsibilities include defining product strategies for payment systems and account solutions, analyzing user data to identify enhancement opportunities, and collaborating with engineering, compliance, and sales teams to deliver high-impact features. At JP Morgan Chase, you will leverage industry-leading tools and resources to conduct competitive analyses and ensure our offerings comply with stringent regulatory standards, such as those set by the Federal Reserve. Your contributions will directly influence how clients manage cash flows, process transactions, and optimize their financial operations in an increasingly digital landscape. We seek a proactive professional passionate about fintech who thrives in a collaborative environment. This senior associate position offers the chance to grow within one of the world's largest financial institutions, with exposure to global projects and mentorship from seasoned leaders. Join JP Morgan Chase to innovate at the intersection of finance and technology, making a tangible difference in how businesses handle payments and liquidity.

Key Responsibilities

• Collaborate with cross-functional teams to develop and launch innovative payment and liquidity products tailored to client needs
• Conduct market analysis and competitive research to identify opportunities for optimizing account solutions
• Define product roadmaps and prioritize features based on business impact and customer feedback
• Analyze performance metrics and user data to refine and enhance existing offerings
• Partner with technology and operations teams to ensure seamless integration of new solutions
• Engage with stakeholders, including clients and internal partners, to gather requirements and drive adoption
• Monitor industry trends and regulatory changes to shape product strategy at JP Morgan Chase
• Support the full product lifecycle from ideation through implementation and iteration
• Contribute to risk assessment and compliance efforts in payment processing

Required Qualifications

• Bachelor's degree in Finance, Business, Computer Science, or a related field
• At least 3-5 years of experience in product management, payments, or liquidity solutions within the financial services industry
• Strong understanding of payment systems, liquidity management, and account solutions in a banking environment
• Proven track record of driving product innovation and optimization in a fast-paced setting
• Experience with data analysis tools and methodologies to support product decisions
• Knowledge of regulatory requirements in financial services, such as those from the Federal Reserve or SEC

Preferred Qualifications

• MBA or advanced degree in Finance or related field
• Prior experience at a major financial institution like JP Morgan Chase
• Familiarity with agile methodologies and cross-functional team collaboration
• Certification in product management (e.g., Certified Scrum Product Owner)

Required Skills

• Product management expertise
• Knowledge of payment processing and liquidity management
• Data analysis and visualization (e.g., SQL, Excel, Tableau)
• Agile and scrum methodologies
• Financial modeling and forecasting
• Stakeholder communication and presentation skills
• Problem-solving and critical thinking
• Regulatory compliance awareness in banking
• Project management tools (e.g., Jira, Confluence)
• Customer-centric design thinking
• Cross-functional collaboration
• Risk assessment and mitigation
• Market research and trend analysis
• Technical aptitude for fintech integrations

Benefits

• Competitive base salary and performance-based annual bonuses
• Comprehensive health, dental, and vision insurance plans
• 401(k) retirement savings plan with company matching contributions
• Generous paid time off, including vacation, sick days, and parental leave
• Professional development opportunities, such as tuition reimbursement and leadership training
• Employee stock purchase plan and financial wellness programs
• On-site fitness centers and wellness initiatives at JP Morgan Chase locations
• Flexible work arrangements, including hybrid options in Jersey City, NJ

JP Morgan Chase is an equal opportunity employer.