Product Associate - Card Lending

Location: Wilmington, DE, United States

Job Family: Product Management

About the Role

At JPMorgan Chase, we are a leading global financial services firm with a strong commitment to innovation in consumer banking. As a Product Associate in Card Lending, you will play a pivotal role in supporting the product strategy for our credit card portfolio, which serves millions of customers across the United States. Based in our Wilmington, DE hub, you will collaborate with cross-functional teams to drive solution discovery and product planning, ensuring our offerings remain competitive and customer-centric in the dynamic financial services landscape. This position offers an exciting opportunity to contribute to high-impact projects that enhance lending experiences while navigating the complexities of regulatory compliance and market demands. Your day-to-day responsibilities will involve partnering with product managers, engineers, designers, and compliance experts to identify opportunities for innovation in card products, such as personalized credit limits, rewards programs, and digital integration. You will analyze performance data using tools like SQL and Tableau to inform decisions that optimize customer satisfaction and business outcomes. By facilitating workshops and requirement-gathering sessions, you will help shape product roadmaps that align with JPMorgan Chase's strategic goals, including sustainable growth in consumer lending amid economic shifts. We value diverse perspectives and foster an inclusive environment where your contributions can make a real difference. Joining our team means access to world-class resources, mentorship from industry leaders, and the chance to advance your career in one of the most influential financial institutions. If you are passionate about fintech and eager to support products that empower customers financially, this role at JPMorgan Chase is an ideal fit.

Key Responsibilities

• Collaborate with product managers and stakeholders to define and refine card lending product strategies
• Conduct market research and competitive analysis to identify opportunities in consumer credit products
• Support solution discovery by gathering requirements from business, tech, and compliance teams
• Assist in product planning, including roadmap development and prioritization of features
• Analyze customer data and feedback to drive enhancements in card lending offerings
• Facilitate cross-functional meetings to ensure alignment on product goals and timelines
• Monitor product performance metrics and recommend adjustments to improve user adoption and revenue
• Contribute to regulatory compliance efforts for card products, ensuring adherence to U.S. banking laws
• Partner with engineering teams to translate product requirements into actionable specifications

Required Qualifications

• Bachelor's degree in Business, Finance, Computer Science, or a related field
• 2-4 years of experience in product management, financial services, or related roles
• Strong understanding of credit card lending products and consumer finance regulations
• Experience collaborating with cross-functional teams including engineering, design, and compliance
• Proficiency in data analysis tools and methodologies for product insights
• Knowledge of agile methodologies and product development lifecycle

Preferred Qualifications

• MBA or advanced degree in Finance or Business Administration
• Prior experience in card lending or consumer banking at a major financial institution
• Familiarity with JPMorgan Chase's internal tools and processes
• Experience with A/B testing and user experience optimization in fintech

Required Skills

• Product strategy development
• Cross-functional collaboration
• Data analysis and interpretation
• Agile and Scrum methodologies
• Financial modeling and forecasting
• Customer journey mapping
• Regulatory compliance knowledge (e.g., FCRA, TILA)
• Stakeholder management
• Problem-solving and critical thinking
• Communication and presentation skills
• SQL and data querying
• JIRA or similar project management tools
• User research and feedback synthesis
• Risk assessment in lending products
• Innovation in fintech solutions

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 programs and tuition reimbursement for further education
• Employee stock purchase plan and access to financial wellness resources
• On-site fitness centers and wellness programs at select locations
• Flexible work arrangements, including hybrid options in Wilmington, DE

JP Morgan Chase is an equal opportunity employer.