Senior Product Associate - Monetization and Settlement

Be at the heart of modernizing how businesses get priced, billed, and paid on a large-scale payment processing platform. Bring your expertise in product delivery and analytics to translate complex financial flows into clear, buildable solutions that improve accuracy and client outcomes. Join a team with strong mobility and growth opportunities while partnering closely with engineering, finance, and operations stakeholders.

As a Sr. Product Associate at JPMorgan Chase within Commercial and Investment Bank's Merchant Services unit, you will support product design and delivery for a payments monetization and settlement platform. You will translate pricing and accounting requirements into clear product documentation and executable delivery plans. You will partner with engineering teams and downstream finance and reconciliation stakeholders to improve configuration accuracy, reduce discrepancies, and strengthen funding outcomes. You will develop deep knowledge across pricing, service configuration, sub-ledger accounting outputs, and allocation rules to support end-to-end payout lifecycle capabilities.

This role focuses on the configuration and product logic that connects merchant setup to fee calculation and payout outcomes. You will help define how pricing and service configuration changes are requested, validated, tested, and released to production. You will contribute to sub-ledger posting outputs and reconciliation readiness by documenting acceptance criteria and supporting test execution with finance partners. You will also support allocation rule enhancements to reflect new merchant types, currencies, partners, and payment rails as the platform evolves.

Job Responsibilities

• Define clear user stories, acceptance criteria, and functional specifications for pricing, service configuration, sub-ledger outputs, and allocation rule changes.
• Partner with engineering teams to refine requirements into buildable scope, sequencing, and testable outcomes across sprints.
• Translate pricing decisions and regional or segment needs into product specifications that drive accurate fee calculation and funding results.
• Validate configuration accuracy and support root-cause analysis for fee discrepancies by tracing setup, pricing, and funding logic across systems.
• Specify sub-ledger posting requirements, including posting types, journal entry expectations, and daily reconciliation outputs, to support downstream finance processes.
• Collaborate with reconciliation stakeholders to confirm outputs meet operational requirements and to resolve gaps identified during testing and close cycles.
• Document service configuration dependencies and impacts when pricing, allocation, or payout logic changes are proposed or delivered.
• Coordinate intake, validation, and publication of service configuration changes through established tooling and release processes.
• Analyze product and operational data to inform prioritization, identify defects or breakpoints, and substantiate product decisions.

Required qualifications, capabilities and skills

• Bachelor's degree in Finance, Computer Science, Business, or equivalent practical experience.
• 2+ years of experience in product management, business analysis, or a closely related role within financial services or payments.
• Knowledge of payment lifecycle concepts (authorization, clearing, settlement, funding).
• Experience writing user stories, acceptance criteria, and functional specifications for technical delivery teams.
• Experience working in an agile delivery environment (for example: sprint planning, backlog refinement).
• Ability to analyze data to identify issues, validate outcomes, and support evidence-based decisions.
• Ability to communicate complex financial and technical concepts clearly to engineering and business stakeholders.

Preferred qualifications, capabilities and skills

• Experience with sub-ledger accounting outputs, general ledger posting concepts, or reconciliation workflows.
• Exposure to pricing or fee management systems in a merchant acquiring or issuing context.
• Experience with product or service configuration frameworks used to price or provision payment products.
• Experience using delivery and documentation tools (for example: Jira or Confluence).
• SQL experience and/or experience using cloud data platforms (for example: Snowflake) for independent validation.
• Experience using reporting or visualization tools (for example: Tableau).
• Experience supporting platform modernization or migration programs.

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 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.

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.

Client-provided location(s): Bangalore, India, Mumbai, India

Job ID: JPMorgan-210764427

Employment Type: FULL_TIME

Posted: 2026-07-09T19:31:57