Payments-Transactional Credit Management-Senior Product Associate
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 [Insert team or sub-LOB], you contribute to the team by leveraging your expertise in product development and optimization to make a significant impact, supported by user research and customer feedback to fuel the creation of innovative products and continuously improve existing offerings. Collaborate closely with cross-functional teams and play a crucial role in shaping the future of our products and ongoing success.
The Transactional Credit Management (TCM) team is a newly formed global team that has a follow-the-sun model supporting the Payments organization. The TCM team is responsible for the 1LOD frameworks and internal policies that define the business-owned risk appetites meacross payments products and verticals, covering both Credit-managed and non-Credit-managed clients across new-Global Corporate Banking and new-Commercial Banking. The team functions as an internal clearing house (In-Business Risk) within the Payments businesses for items pertaining to risk management. The TCM team partners with internal 1LOD stakeholders (Product, Product Development, Technology, Sales, Operations etc.) and 2LOD stakeholders (Credit Risk Management, Credit Risk Middle Office, Compliance, Treasury etc.) to ensure coordinated processes that have beneficial outcomes for the firm, while also driving positive client experience. The TCM team functions as Subject Matter Experts across the payment verticals including but not limited to Liquidity & Account Solutions (L&AS), Clearing, Foreign Exchange, Receivables, Public Sector and Commercial Card and various technology platforms. The TCM team reports into the Head of Transactional Credit Management and is part of the Liquidity & Account Solutions (L&AS) organization within J.P. Morgan Payments.
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Job responsibilities
- Partners with the Product Manager to identify new product opportunities that reflect the needs of our customers and the market through user research and discovery
- Considers and plans for upstream and downstream implications of new product features on the overall product experience
- Supports the collection of user research, journey mapping, and market analysis to inform the strategic product roadmap and provide insight on potential product features that provide value to customers
- Analyzes, tracks, and evaluates product metrics including work to time, cost, and quality targets across the product development life cycle
- Writes the requirements, epics, and user stories to support product development
- Assists in coordinating with Transaction Approval Group, Intraday Payments Credit Risk and functional teams across Payments, on development and implementation of business rules, approval and operating model for transaction decisioning for non-Credit-managed clients
- Manages and approves daily transaction referrals for intraday payment activity and returnable overnight overdrafts in line with TCM-owned procedures
- Collaborates with Product Development and Technology in the identification and submission of technical requirements for strategic funds control platform development; writes the requirements, epics, and user stories to support product development
- Assists in communicating strategic operating model changes and TCM team remit to regional internal and client-facing stakeholders (Sales, Client Service, Operations)
- Partners with Credit Risk Management, Credit Risk Middle Office and functional teams across Payments to execute tactical and strategic roadmaps for end-to-end management of onboarding/offboarding protocol for non-Credit-managed clients
- Executes governance framework, in partnership with functional teams across Payments, to monitor non-Credit-managed client populations globally to ensure accurate and timely onboarding/offboarding, and identifies opportunities for refinement
Required qualifications, capabilities, and skills
- 3+ years of experience or equivalent expertise in product management or a relevant domain area
- Proficient knowledge of the product development life cycle
- Experience in product life cycle activities including discovery and requirements definition
- Developing knowledge of data analytics and data literacy
- Strong organizational and communications skills
- Keen interest in navigating across a broad set of global functional stakeholders to solve problems, manage programs, and influence outcomes
- Ability to establish and follow procedures regarding intraday credit decisioning and client management
Preferred qualifications, capabilities, and skills
- Prior experience working in a highly matrixed, complex, global organization
- Technical skills using Alteryx, Tableau, Microsoft Excel and Microsoft PowerPoint
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
J.P. Morgan's Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.
Perks and Benefits
Health and Wellness
Parental Benefits
Work Flexibility
Office Life and Perks
Vacation and Time Off
Financial and Retirement
Professional Development
Diversity and Inclusion