Payments - Transactional Credit Management, Treasury Services - Product Manager - Senior Associ[...]

Transactional Credit Management (TCM) is a global team within J.P. Morgan Payments that supports the Treasury Services Global Corporate Banking and Commercial Banking businesses. The team is responsible for developing and maintaining first line of defense payments frameworks and internal policies that define business‑owned risk appetite across Treasury Services products and payment verticals for non‑Credit‑managed clients and internal J.P. Morgan entities.

As a Product Manager in the Transactional Credit Management team, 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 leader, 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.

TCM works closely with partners across Product, Product Development, Technology, Sales, Operations, and second line of defense teams including Credit Risk Management, Credit Risk Middle Office, and Wholesale Lending Services. The team also serves as a subject matter expert across key payment verticals, including Liquidity & Account Solutions, Clearing, Foreign Exchange, Receivables, Public Sector, Commercial Card, and related technology platforms, and sits within the Treasury Services Liquidity & Account Solutions organization.

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.
• Partners with first line of defense teams to design and evolve a transactional credit risk framework for non‑Credit‑managed clients in strategic growth segments requiring Treasury Services products.
• Defines and maintains business‑owned risk appetite across Treasury Services products, ensuring frameworks remain aligned with business strategy, control requirements, and client needs.
• Develops business rules, approval criteria, escalation pathways, and operating models for intraday transaction decisioning and facility creation across third‑party and internal J.P. Morgan entities.
• Works with Credit Risk to establish target operating models, monitoring standards, escalation protocols, and eligibility criteria to transition clients into full credit coverage where appropriate.
• Executes governance frameworks to monitor non‑Credit‑managed client populations globally and support effective risk oversight across Treasury Services activities.
• Collaborates with Product Development and Technology to define and prioritize technical requirements for strategic funds control platform enhancements.
• Communicates operating model changes, framework updates, and TCM scope clearly to internal stakeholders, including Sales, Client Service, and Operations teams across regions.

Required qualifications, capabilities, and skills

• Proven 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.
• Technical proficiency in working with systems, large data sets, and analytics to support decision‑making and process improvement.
• Knowledge of payments products, payment flows, or transactional risk considerations.
• Strong organizational and communication skills, with the ability to synthesize complex issues clearly for senior stakeholders.
• Proven ability to work across a broad set of global functional partners, solve problems collaboratively, and influence outcomes across a matrixed organization.

Preferred qualifications, capabilities, and skills

• Demonstrated prior experience working in a highly matrixed, complex organization.
• Payments‑related credit risk or transactional credit risk management experience.
• Prior experience working in a highly matrixed, global organization with multiple control and business stakeholders.
• Direct experience in payments‑related credit risk, transactional credit risk management, or risk frameworks.
• Familiarity with approval governance, escalation design, and monitoring frameworks for transactional products.
• Experience partnering with technology teams to translate business requirements into platform or workflow enhancements.

We recognise 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, colour, 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.