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.
Job responsibilitiesPartners with the Product Manager to identify new product opportunities that reflect the needs of our customers and the market through user research and discoveryConsiders and plans for upstream and downstream implications of new product features on the overall product experienceSupports 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 customersAnalyzes, tracks, and evaluates product metrics including work to time, cost, and quality targets across the product development life cycleWrites 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 clientsManages and approves daily transaction referrals for intraday payment activity and returnable overnight overdrafts in line with TCM-owned proceduresCollaborates 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 clientsExecutes 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 refinementRequired qualifications, capabilities, and skills3+ years of experience or equivalent expertise in product management or a relevant domain areaProficient knowledge of the product development life cycleExperience in product life cycle activities including discovery and requirements definitionDeveloping knowledge of data analytics and data literacyStrong organizational and communications skillsKeen interest in navigating across a broad set of global functional stakeholders to solve problems, manage programs, and influence outcomesAbility to establish and follow procedures regarding intraday credit decisioning and client managementPreferred qualifications, capabilities, and skillsPrior experience working in a highly matrixed, complex, global organizationTechnical skills using Alteryx, Tableau, Microsoft Excel and Microsoft PowerPoint