Senior Associate - Product Manager Payments

Location: New York, NY, United States

Job Family: Product Management

About the Role

At JP Morgan Chase, we are at the forefront of transforming the financial services landscape through innovative payment solutions. As a Senior Associate - Product Manager in Payments, you will join a dynamic team of product leaders dedicated to revolutionizing how customers experience payments in the digital age. Based in our New York office, you will play a pivotal role in expanding digital payment capabilities, driving adoption of real-time and seamless transaction methods, and ensuring our offerings remain competitive in a rapidly evolving fintech ecosystem. This position offers the opportunity to work on high-impact projects that support JP Morgan Chase's mission to enable economic growth by connecting people and businesses to the global economy. In this role, you will own the end-to-end product lifecycle for key payment products, from ideation and requirement gathering to launch and continuous optimization. You will collaborate closely with engineering, data science, compliance, and sales teams to deliver features that enhance security, speed, and accessibility of payments for retail and corporate clients. Leveraging your expertise in financial services, you will analyze market trends, regulatory changes, and customer feedback to prioritize initiatives that align with JP Morgan's strategic objectives, such as integrating emerging technologies like APIs for open banking and blockchain for efficient cross-border transfers. Your work will directly contribute to increasing transaction volumes and customer satisfaction in one of the world's leading financial institutions. We seek a proactive leader with a passion for innovation and a deep understanding of the payments industry. Success in this position requires not only technical acumen but also the ability to navigate complex stakeholder environments and foster a culture of agility within JP Morgan Chase. By joining us, you will gain exposure to cutting-edge projects, mentorship from industry experts, and the chance to shape the future of digital payments on a global scale.

Key Responsibilities

• Lead the development and execution of product roadmaps for payment solutions, focusing on enhancing customer experiences in digital banking
• Collaborate with engineering, design, and compliance teams to build and launch innovative payment features aligned with JP Morgan Chase's strategic goals
• Conduct market research and competitive analysis to identify opportunities for expanding digital payment capabilities
• Define product requirements, user stories, and acceptance criteria to ensure seamless integration with core banking systems
• Monitor product performance using KPIs such as transaction volume, user adoption, and error rates, iterating based on data insights
• Engage with stakeholders including clients, regulators, and internal partners to gather requirements and ensure compliance with financial industry standards
• Drive innovation in payment experiences, promoting the growth of real-time and cross-border payment solutions
• Mentor junior product managers and contribute to the broader product strategy within JP Morgan's payments organization
• Manage vendor relationships for third-party payment integrations and technologies

Required Qualifications

• Bachelor's degree in Business, Finance, Computer Science, or a related field
• 5+ years of experience in product management, preferably in payments, fintech, or financial services
• Proven track record of leading cross-functional teams to deliver innovative payment solutions
• Strong understanding of digital payment ecosystems, including real-time payments, mobile wallets, and blockchain technologies
• Experience with agile methodologies and product lifecycle management in a fast-paced environment
• Excellent analytical skills with the ability to leverage data to drive product decisions
• Knowledge of regulatory requirements in financial services, such as PCI DSS and AML compliance

Preferred Qualifications

• MBA or advanced degree in a relevant field
• Experience working at a major financial institution like JP Morgan Chase
• Familiarity with emerging payment technologies such as CBDCs or open banking APIs
• Prior involvement in scaling payment products to enterprise levels
• Certifications in product management (e.g., Certified Scrum Product Owner)

Required Skills

• Product roadmap development
• Agile and Scrum methodologies
• Data analysis and metrics-driven decision making
• Cross-functional team leadership
• Knowledge of payment protocols (e.g., ACH, SWIFT, RTP)
• Regulatory compliance in fintech (e.g., GDPR, SOX)
• User experience (UX) design principles
• Stakeholder management and communication
• Market research and competitive intelligence
• Technical proficiency in tools like Jira, Confluence, and SQL
• Problem-solving and strategic thinking
• Financial modeling and ROI analysis
• Innovation in digital transformation
• Risk assessment in payment systems
• Customer-centric product ideation

Benefits

• Competitive base salary and performance-based annual bonuses
• Comprehensive health, dental, and vision insurance plans
• 401(k) retirement savings plan with generous company matching
• Paid time off, including vacation, sick days, and parental leave
• Professional development opportunities, including tuition reimbursement and leadership training programs
• Employee stock purchase plan and financial wellness resources
• On-site fitness centers and wellness programs at JP Morgan Chase offices
• Flexible work arrangements, including hybrid options in New York

JP Morgan Chase is an equal opportunity employer.