Digital Onboarding Product, Senior Associate - Payments

Unleash your expertise in product development and optimization by leveraging user research, analyzing metrics, and collaborating across one of the world's most innovative financial organizations.

As a Senior Product Associate in Digital Onboarding, Commercial and Investment Bank, you are an integral part of the team that innovates new product offerings and leads the end-to-end product life cycle. As a core person, you are responsible for acting as the voice of the customer and developing profitable products that provide customer value. Utilizing your deep understanding of how to get a product off the ground, you guide the successful launch of products, gather crucial feedback, and ensure top-tier client experiences. With a strong commitment to scalability, resiliency, and stability, you collaborate closely with cross-functional teams to deliver high-quality products that exceed customer expectations.

The Digital Onboarding team is responsible for building out a streamlined onboarding, KYC and client outreach platform and processes to reduce friction and time to market for payments products. As the Payments - Digital Onboarding team, we are instrumental in digital experiences to support onboarding journeys for Payments clients, we have the ability to make immediate and long-lasting impacts to support our clients and their journey through their lifecycle with JP Morgan Chase.

Job responsibilities

• Develops a product strategy and product vision that delivers value to customers
• Manages discovery efforts and market research to uncover customer solutions and integrate them into the product roadmap
• Owns, maintains, and develops a product backlog that enables development to support the overall strategic roadmap and value proposition
• Builds the framework and tracks the product's key success metrics such as cost, feature and functionality, risk posture, and reliability
• Leads the execution of complex digital products, programs and initiatives which have impact across the enterprise
• Drives global product requirements definition, product planning and product design (including writing PRDs) of new features and enhancements
• Works closely with the scrum team to drive requirements as the product owner
• Acts as a key participant in large-scale planning, defining the product roadmap based on business outcomes
• Makes decisions in digital strategy for product/functionality/experience area requiring strong understanding of the business, policies, procedures and/or compliance requirements
• Collaborates and consults strategically with peers, colleagues and mid-level to senior managers to resolve issues and achieve execution goals
• Operates as primary interface between business, tech, ops, risk, legal and compliance to drive digital onboarding and KYC solutions to internal and external clients

Required qualifications, capabilities, and skills

• 3+ years of experience or equivalent expertise in product management or a relevant domain area
• Advanced knowledge of the product development life cycle, design, and data analytics
• Proven ability to lead product life cycle activities including discovery, ideation, strategic development, requirements definition, and value management
• Ability to thrive in a cross-functional environment while balancing multiple responsibilities, scoping projects, evaluating priorities, and effectively working well within a team
• Establish and maintain relationships with the key business and technology stakeholders on product capabilities and priorities
• Proven track record of delivering results in a fast-paced, dynamic environment, and driving innovation on behalf of internal and external stakeholders
• Possess excellent communication, analytical and problem-solving skills
• Prior experience in managing API driven digital platforms; working knowledge of APIs for day to day needs and drive conversations with technology teams
• Presents ideas to senior management & clients and are excited to work with payments onboarding/lifecycle management vendors
• Bachelor's degree

Preferred qualifications, capabilities, and skills

• Demonstrated prior experience working in a highly matrixed, complex organization
• A strong background in digital payments, especially in marketplace settings or master/sub-merchant programs
• Potentially act as a mentor for other members in the team
• Charting and driving initiatives in novel areas, as opposed to working within clearly established parameters
• Understanding of product lifecycle planning (JIRA) and wiki tools (e.g. Confluence)

This position is subject to Section 19 of the Federal Deposit Insurance Act. As such, an employment offer for this position is contingent on JPMorganChase's review of criminal conviction history, including pretrial diversions or program entries.

ABOUT US

JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.

We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.

We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.

JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans

ABOUT THE TEAM

A part of the Commercial & Investment Bank, J.P. Morgan Payments enables organizations of all sizes to execute transactions efficiently and securely, transforming the movement of information, money, and assets. The team of experts tackles complex challenges at every stage of the payment lifecycle. And their industry-leading solutions facilitate seamless transactions across borders, industries, and platforms.

Operating in over 160 countries and handling more than 120 currencies, J.P. Morgan Payments business is the largest processor of USD payments, with a daily transaction volume of $10 trillion.

Client-provided location(s): Palo Alto, CA, Jersey City, NJ

Job ID: JPMorgan-210705328

Employment Type: FULL_TIME

Posted: 2026-01-28T19:04:10