Senior Product Associate - Credit Card AO

Location: Columbus, OH, United States

Job Family: Product Management

About the Role

At JPMorgan Chase, we are at the forefront of redefining banking experiences, and our Credit Card team is pivotal in delivering seamless, customer-centric solutions. As a Senior Product Associate in the Credit Card Application Optimization (AO) team, you will play a key role in solving complex problems that enhance the card application experience for millions of customers. Based in our Columbus, OH office, you will contribute to innovative features that simplify applications, reduce friction, and boost approval rates while adhering to stringent financial regulations. This position within the Product Management category offers the opportunity to impact Chase's market-leading credit card portfolio, leveraging cutting-edge technology to drive business growth in a dynamic fintech landscape. In this role, you will dive deep into user journeys, analyzing data from application funnels to identify opportunities for improvement. You will collaborate with multidisciplinary teams—including UX designers, data scientists, engineers, and compliance experts—to prototype and launch enhancements that prioritize security, accessibility, and personalization. Your work will directly influence key metrics like conversion rates and customer satisfaction, ensuring our digital platforms remain competitive against evolving industry standards. At JPMorgan Chase, you will have access to robust resources and mentorship to refine your skills in product strategy and execution. We value diverse perspectives and foster an inclusive environment where innovation thrives. Joining the Credit Card AO team means becoming part of a global leader in financial services, with opportunities to grow your career through challenging projects and professional development. If you are passionate about optimizing user experiences in banking and ready to contribute to products that serve everyday consumers, this role at JPMorgan Chase offers a rewarding path to make a tangible difference.

Key Responsibilities

• Collaborate with product managers and designers to enhance the credit card application experience, focusing on user pain points and conversion optimization
• Conduct user research and analyze application funnel data to identify bottlenecks and propose data-driven solutions
• Work closely with engineering teams to implement features that streamline the application process while ensuring compliance with banking regulations
• Monitor key performance metrics such as application completion rates, drop-off points, and approval times, and iterate based on insights
• Partner with risk and compliance teams to integrate fraud detection and KYC requirements into the application flow
• Contribute to the roadmap for Chase credit card products, prioritizing features that drive customer acquisition and satisfaction
• Facilitate agile ceremonies, including sprint planning and retrospectives, to deliver high-quality product increments
• Engage with stakeholders across JPMorgan Chase to align on business objectives and gather requirements for application enhancements
• Test and validate new application features through user acceptance testing and pilot programs
• Stay abreast of industry trends in digital banking and fintech to inform innovative solutions for the card AO team

Required Qualifications

• Bachelor's degree in Business, Finance, Computer Science, or a related field
• 3+ years of experience in product management, preferably in financial services or fintech
• Strong understanding of credit card products, application processes, and regulatory requirements in the banking industry
• Experience working with cross-functional teams including design, engineering, and compliance
• Proficiency in agile methodologies and product lifecycle management
• Demonstrated ability to analyze user data and derive actionable insights
• Excellent communication skills with the ability to present to senior stakeholders

Preferred Qualifications

• Experience in credit card origination or application optimization at a major financial institution
• Knowledge of JPMorgan Chase's internal tools and platforms for product development
• Prior exposure to A/B testing and user experience research in digital banking
• Familiarity with data privacy regulations such as GDPR and CCPA in financial contexts
• MBA or advanced certification in product management

Required Skills

• Product management frameworks and tools (e.g., Jira, Confluence)
• Data analysis and visualization (e.g., SQL, Tableau, Google Analytics)
• User experience (UX) design principles and wireframing
• Agile and Scrum methodologies
• Financial services knowledge, including credit risk assessment
• Regulatory compliance in banking (e.g., FCRA, BSA)
• Cross-functional collaboration and stakeholder management
• Problem-solving and critical thinking
• Strong written and verbal communication
• Project management and prioritization
• A/B testing and experimentation
• Customer empathy and user research techniques
• Technical aptitude for API integrations in fintech
• Attention to detail in high-stakes financial environments
• Adaptability to fast-paced, innovative settings

Benefits

• Competitive base salary and performance-based annual bonus
• 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 through JPMorgan Chase's internal training programs and tuition reimbursement
• Employee stock purchase plan and financial wellness resources
• On-site fitness centers and wellness programs at Columbus campus
• Flexible work arrangements, including hybrid options for work-life balance

JP Morgan Chase is an equal opportunity employer.