Product Delivery Team Manager - Business Rules Management Post Charge Off

Location: Wilmington, DE, United States

Job Family: Product Portfolio & Delivery

About the Role

At JP Morgan Chase, we are a leading global financial services firm with a commitment to innovation and excellence in every aspect of our operations. The Product Delivery Team Manager - Business Rules Management Post Charge Off role within our Consumer Banking division is pivotal in shaping the efficiency and compliance of our post-charge off collections processes. Based in Wilmington, DE, this position reports to the Product Portfolio & Delivery leadership and involves leading a team responsible for delivering robust business rules that govern debt recovery strategies. You will spearhead the end-to-end product delivery, from ideation to deployment, ensuring that our systems accurately apply rules for charge-off accounts while adhering to stringent regulatory frameworks like FCRA and FDCPA. This role demands a strategic mindset to balance operational efficiency with risk mitigation in a dynamic financial landscape. In this managerial capacity, you will orchestrate change management activities, collaborating with IT, compliance, and operations teams to implement updates that enhance the accuracy and speed of post-charge off decisions. Overseeing timelines and resources, you will drive projects that optimize business rules engines, reducing manual interventions and boosting overall productivity in our collections portfolio. Regulatory compliance is at the core of your responsibilities; you will conduct audits, prepare reporting, and ensure all deliverables meet JP Morgan Chase's high standards for ethical and legal practices. By fostering a culture of continuous improvement, you will identify opportunities to leverage data analytics and automation, ultimately contributing to better customer outcomes and reduced operational costs in our Wilmington hub. Joining JP Morgan Chase means becoming part of a world-class organization that values diversity, innovation, and professional growth. This role offers the chance to impact millions of customer interactions through cutting-edge financial products while advancing your career in a supportive environment. If you thrive in fast-paced settings and have a passion for financial services excellence, this position provides the platform to lead transformative initiatives in business rules management.

Key Responsibilities

• Lead the product delivery lifecycle for business rules management in post-charge off collections, ensuring seamless integration with JP Morgan Chase's core banking systems
• Manage change activities, including impact assessments, stakeholder communications, and implementation of updates to business rules for debt recovery processes
• Ensure all processes comply with federal and state regulations, including FCRA, FDCPA, and internal JP Morgan Chase compliance standards
• Oversee project timelines, budgets, and resources to deliver enhancements that improve efficiency in post-charge off workflows
• Collaborate with cross-functional teams, including IT, legal, and operations, to identify and resolve bottlenecks in product delivery
• Drive continuous improvement initiatives to boost operational efficiency and reduce risks in collections management
• Monitor key performance indicators (KPIs) for business rules effectiveness and report on metrics to senior leadership
• Facilitate training and knowledge transfer for team members on new business rules and regulatory changes
• Conduct risk assessments and develop mitigation strategies for post-charge off product features

Required Qualifications

• Bachelor's degree in Finance, Business Administration, Computer Science, or a related field
• Minimum of 7-10 years of experience in product delivery, change management, or business rules management within the financial services industry
• Proven track record in leading teams in post-charge off collections processes and regulatory compliance in banking
• Strong understanding of financial regulations such as FCRA, FDCPA, and OCC guidelines
• Experience with project management methodologies like Agile or Waterfall in a high-stakes financial environment
• Demonstrated ability to manage cross-functional teams and drive process improvements in debt recovery operations

Preferred Qualifications

• Master's degree in Business, Finance, or a related discipline
• Certification in Project Management (PMP) or Agile (CSM)
• Prior experience at a major financial institution like JP Morgan Chase in consumer banking or collections
• Knowledge of data analytics tools for business rules optimization in post-charge off scenarios
• Experience with regulatory audits and compliance reporting in the U.S. banking sector

Required Skills

• Expertise in business rules engines and decision management systems
• Proficiency in SQL and data querying for financial datasets
• Strong project management and agile methodologies
• Knowledge of financial regulations in collections and charge-off processes
• Leadership and team management abilities
• Analytical skills for process optimization and KPI tracking
• Communication and stakeholder engagement
• Risk assessment and compliance auditing
• Experience with tools like Jira, Confluence, or similar for product delivery
• Problem-solving in high-pressure financial environments
• Familiarity with Java or scripting languages for rule automation
• Change management and impact analysis
• Data privacy and security best practices in banking
• Cross-functional collaboration in large organizations

Benefits

• Comprehensive medical, dental, and vision insurance plans
• 401(k) retirement savings plan with company matching contributions
• Generous paid time off, including vacation, sick days, and holidays
• Professional development opportunities through JP Morgan Chase's internal training programs
• Employee stock purchase plan and performance-based bonuses
• Wellness programs including gym memberships and mental health support
• Flexible work arrangements and hybrid work options in Wilmington, DE
• Parental leave and family benefits for work-life balance

JP Morgan Chase is an equal opportunity employer.