Senior Product Associate, Small and Mid-sized Business Payments

Location: New York, NY, United States

Job Family: Product Management

About the Role

At JPMorgan Chase, we are at the forefront of redefining the digital economy, and our Commercial Banking division is pivotal in empowering small and mid-sized businesses (SMBs) with innovative payments solutions. As a Senior Product Associate in Small and Mid-sized Business Payments, you will play a crucial role in the end-to-end product lifecycle for payments products that deliver tangible value to our SMB customers. Based in our dynamic New York office, you will collaborate with elite teams to design, develop, and launch features that streamline transactions, enhance cash flow management, and integrate seamlessly with treasury services. This position offers the opportunity to influence products used by thousands of businesses, leveraging JPMorgan Chase's vast resources and global reach to drive real-world impact in the financial services industry. Your day-to-day will involve conducting in-depth market analysis and customer interviews to uncover pain points in SMB payments, such as faster processing times or integrated invoicing. You will partner with engineers, designers, and compliance experts to prioritize features on the product roadmap, ensuring alignment with JPMorgan Chase's commitment to secure, scalable, and customer-centric solutions. From prototyping wireframes to analyzing post-launch metrics, you will iterate on products like digital wallets and ACH enhancements, always keeping regulatory standards like those from the Federal Reserve and PCI compliance at the core. This role demands a blend of strategic thinking and hands-on execution, where your contributions directly support our goal of making banking more accessible and efficient for growing businesses. Joining JPMorgan Chase means becoming part of a world-class institution renowned for innovation and integrity in financial services. We value diverse perspectives and foster an inclusive environment where your professional growth is prioritized through mentorship, training, and exposure to senior leaders. If you are passionate about fintech and eager to shape the future of SMB payments, this Senior Product Associate role offers unparalleled opportunities to advance your career while contributing to products that power economic growth.

Key Responsibilities

• Collaborate with cross-functional teams to define and prioritize product features for SMB payments solutions
• Conduct market research and analyze customer feedback to identify opportunities for product enhancements
• Manage the end-to-end product lifecycle, from ideation to launch and iteration
• Work closely with engineering, design, and sales teams to ensure seamless product delivery
• Monitor product performance using KPIs and drive continuous improvements
• Engage with SMB clients to gather requirements and validate product value propositions
• Support go-to-market strategies, including pricing, positioning, and promotional activities
• Ensure products comply with JPMorgan Chase's risk and regulatory standards
• Contribute to strategic roadmaps for the Commercial Banking payments portfolio

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 payments
• Strong understanding of small and mid-sized business (SMB) needs and payment ecosystems
• Experience with agile methodologies and cross-functional team collaboration
• Proficiency in data analysis tools and financial metrics
• Demonstrated ability to manage end-to-end product lifecycles

Preferred Qualifications

• MBA or advanced degree in Finance or Technology
• Prior experience at a major financial institution like JPMorgan Chase
• Knowledge of regulatory compliance in payments (e.g., PCI DSS, ACH regulations)
• Experience with SMB lending or treasury management products

Required Skills

• Product roadmap development
• Agile and Scrum methodologies
• Customer journey mapping
• Data analytics and A/B testing
• Financial modeling and ROI analysis
• Stakeholder management
• Regulatory knowledge in fintech
• User experience (UX) principles
• SQL and data visualization tools (e.g., Tableau)
• Project management software (e.g., Jira, Confluence)
• Communication and presentation skills
• Problem-solving and critical thinking
• Adaptability in fast-paced environments
• Knowledge of payment technologies (e.g., APIs, blockchain basics)

Benefits

• Competitive base salary and performance-based annual bonus
• Comprehensive health, dental, and vision insurance plans
• 401(k) retirement savings plan with company match
• Generous paid time off, including vacation, sick days, and parental leave
• Professional development programs and tuition reimbursement
• Employee stock purchase plan and financial wellness resources
• On-site fitness centers and wellness programs at JPMorgan Chase locations
• Hybrid work flexibility and relocation assistance for eligible roles

JP Morgan Chase is an equal opportunity employer.