European Lending Product Director (All Genders)

European Lending Product Director

As a Product Manager within JPMorganChase's International Consumer Bank, you will shape the product strategy and roadmap for unsecured lending capabilities for EU expansion via a single platform and market-specific overlays (e.g., regulatory, disclosures, credit policy inputs, language/content, and operational variations). You will partner closely with engineering, design/content, controls, and market stakeholders to deliver scalable, cloud-native platform capabilities and seamless customer journeys through the full PDLC.

Key responsibilities

• Define and drive the product strategy and roadmap, balancing the requirements of markets specific asks and single scalable platform across markets.
  
• Ensure origination, repayments, servicing, and customer support and collections capabilities are designed for reuse across EU markets, in partnership with other teams.
  
• Write requirements and acceptance criteria for prioritized products & features, collaborating with markets, design/content, platform and controls to ensure solutions are desirable, usable, feasible and viable.
  
• Be accountable for product outcomes, prioritisation and end to end delivery, working with engineering, platform, design, controls, data, operations and market stakeholders
  
• Engage with market stakeholders to drive product performance, defining product OKRs, identifying weaknesses and prioritising improvements based on customer and performance data.
  
• Manage vendors and third-party dependencies where applicable, ensuring they meet SLAs while controlling costs.
  
• Accountability for controls, ensuring that we continue to meet firmwide standards to manage risk and regulatory obligations.
  

Required qualifications, capabilities, and skills

The successful candidate will demonstrate the following.

• European unsecured lending expertise, with deep experience in Personal Loans and other unsecured lending products including Credit Cards/Overdraft/BNPL/POS finance
  
• Strong understanding of relevant European regulatory and conduct obligations for unsecured consumer lending products.
  
• Experienced product manager with a track record of delivering against a product roadmap in a complex, cross-functional environment.
  
• Strong product/platform acumen and experience partnering with engineering to build scalable, cloud-native services (API-led, microservices-oriented).
  
• Proven leadership and stakeholder management at senior levels; able to explain decisions clearly, logically, empathetically but firmly.
  

Preferred qualifications

The following are advantageous.

• Multi-market European launch/scale experience for unsecured lending products.
  
• Data analysis and modelling expertise, translating customer/portfolio data into product insights and prioritisation.
  
• Experience managing existing and new vendor contracts
  

Our professionals in our Corporate Functions cover a diverse range of areas from finance and risk to human resources and marketing. Our corporate teams are an essential part of our company, ensuring that we're setting our businesses, clients, customers and employees up for success.

The Digital team is dedicated to creating innovative, industry-leading products and experiences that help customers access, share and control their financial data so they can make smart decisions with their money. Teams enable innovation while adhering to the firm's data sharing principles of security, customer control and convenience, and privacy.