At a Glance
- Tasks: Lead product innovation and manage the end-to-end lifecycle of payment solutions.
- Company: Join J.P. Morgan, a global leader in financial services with a collaborative culture.
- Benefits: Competitive salary, health benefits, and opportunities for professional growth.
- Other info: Dynamic role with opportunities to collaborate across global teams.
- Why this job: Make an impact by developing products that enhance customer experiences in payments.
- Qualifications: Experience in product management and strong analytical skills required.
The predicted salary is between 70000 - 90000 £ per year.
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.
Payments - Transactional Credit Management, Treasury Services - Product Manager - Senior Associ[...] employer: Jpmorgan Chase & Co.
J.P. Morgan is an exceptional employer that fosters a dynamic and inclusive work culture, where innovation and collaboration are at the forefront of our operations. As a Product Manager in the Transactional Credit Management team, you will have access to unparalleled growth opportunities, working alongside industry experts to develop cutting-edge payment solutions that drive customer value. Our commitment to employee development, coupled with a strong focus on work-life balance and competitive benefits, makes J.P. Morgan a truly rewarding place to advance your career in the heart of a global financial hub.
StudySmarter Expert Advice🤫
We think this is how you could land Payments - Transactional Credit Management, Treasury Services - Product Manager - Senior Associ[...]
✨Tip Number 1
Network like a pro! Reach out to folks in the industry, especially those at J.P. Morgan or similar companies. A friendly chat can open doors and give you insights that might just land you an interview.
✨Tip Number 2
Prepare for those interviews by knowing your stuff! Dive deep into TCM and the payments landscape. The more you know, the better you can showcase how you can add value to their team.
✨Tip Number 3
Don’t forget to follow up after interviews! A quick thank-you email can keep you on their radar and show your enthusiasm for the role. Plus, it’s a nice touch that goes a long way.
✨Tip Number 4
Apply through our website! It’s the best way to ensure your application gets seen. Plus, we love seeing candidates who are proactive about their job search.
We think you need these skills to ace Payments - Transactional Credit Management, Treasury Services - Product Manager - Senior Associ[...]
Some tips for your application 🫡
Tailor Your CV:Make sure your CV reflects the skills and experiences that align with the Product Manager role in Transactional Credit Management. Highlight your product management experience and any relevant knowledge of payments products to catch our eye!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to tell us why you're passionate about product management and how you can add value to our team. Be specific about your achievements and how they relate to the job description.
Showcase Your Analytical Skills:Since this role involves data analytics and decision-making, make sure to include examples of how you've used data to drive product decisions in the past. We love seeing candidates who can back up their claims with solid evidence!
Apply Through Our Website:We encourage you to apply directly through our website for the best chance of getting noticed. It’s the easiest way for us to keep track of your application and ensure it reaches the right people!
How to prepare for a job interview at Jpmorgan Chase & Co.
✨Know Your Product Inside Out
Make sure you have a solid understanding of the product management life cycle, especially in the context of payments and transactional credit management. Familiarise yourself with J.P. Morgan's offerings and be ready to discuss how you can contribute to developing innovative products that meet customer needs.
✨Showcase Your Analytical Skills
Prepare to demonstrate your ability to work with large data sets and analytics. Think of examples where you've used data to drive decisions or improve processes. This will show that you can effectively support decision-making and enhance product offerings.
✨Communicate Clearly and Confidently
Strong communication skills are key for this role. Practice explaining complex issues in a straightforward manner, as you’ll need to convey important information to senior stakeholders. Be ready to share how you've successfully communicated changes or updates in previous roles.
✨Collaborate and Influence
Highlight your experience working in matrixed organisations and how you've collaborated with cross-functional teams. Prepare examples that showcase your ability to influence outcomes and solve problems collaboratively, as this is crucial for success in the Transactional Credit Management team.
