Product Manager - Payments

Overview

Product Manager – Payments. We are seeking a Product Manager to own and evolve our UK Payments portfolio, with a focus on Faster Payments (FPS) and Bacs. You will shape the roadmap for new payment capabilities, manage vendor relationships, analyse data to drive improvements and ensure smooth day-to-day operations.

We launched Chase UK to revolutionise mobile banking with seamless journeys that our customers love. As a Payments Product Manager within the International Consumer Bank, you will be part of a flat-structure organisation and deliver end-to-end solutions in cloud-native microservices architectures, leveraging the latest technologies and industry best practices. You will be involved in the design and architecture of solutions while focusing on the entire SDLC lifecycle.

Our Payments team focuses on turning smart ideas into customer value. We seek people with curiosity, who thrive in collaborative squads, and who are passionate about new technology. We operate in tribes and squads, with opportunities to move between areas based on strengths and interests.

Key Responsibilities

• Product Ownership & Strategy: Lead the vision, strategy, and roadmap for UK payments products (FPS, Bacs), balancing operational excellence with innovation. Ensure products deliver customer value, comply with regulations, and remain resilient.
• Operational Excellence: Oversee daily payment operations to ensure platform health and high service levels. Take ownership of reliability, compliance, and performance of UK domestic payment platforms (FPS and Bacs).
  • Oversee daily operations, including incident management, SLA monitoring, bug tracking, and root cause analysis.
  • Proactively identify and mitigate risks, ensuring robust controls and audit readiness.
  • Collaborate with engineering and operations to resolve issues quickly and prevent recurrence.
  • Maintain comprehensive product documentation and ensure adherence to governance and regulatory requirements.
  • Champion operational stability as a top priority, driving continuous improvement in uptime, transaction success rates, and customer experience.
• Cross-Functional Collaboration: Partner with controls, finance, compliance, legal, and technology teams to deliver solutions that meet stakeholder and customer needs.
• Vendor & Scheme Management: Manage relationships with payment scheme providers, technology vendors, and service partners. Ensure SLAs are met, contracts are maintained, and performance is optimised.
• Data-Driven Improvement: Monitor payment performance metrics, analyse trends, and provide actionable insights to enhance efficiency, reliability, and customer experience.
• Change Delivery: Drive enhancements, regulatory change, and new feature delivery. Lead analysis and implementation of scheme-driven changes (e.g., ISO 20022 migration, Confirmation of Payee, fraud initiatives).
• Product Development: Define requirements for backend engineering, design scalable APIs, and evolve transaction processing infrastructure. Ensure compliance with scheme mandates and regulatory obligations.
• Go-to-Market Enablement: Support operational readiness and partner enablement for new product launches and enhancements.

Skills, Qualifications & Experience

• Product Management Experience: 5+ years in product management, with at least 3 years focused on payments, ideally with direct exposure to UK domestic schemes.
• Industry Experience: Experience within a Tier 1 bank, payments service provider, or clearing/settlement houses.
• Payments Expertise: Deep knowledge of UK payment systems (FPS, Bacs, COP) and regulatory landscape (PSD2, PSR, FCA, PRA, Bank of England).
• Technical Fluency: Comfortable writing requirements for backend teams, designing API specs, and understanding messaging flows, reconciliation, and reporting.
• Operational & Change Leadership: Proven track record managing both BAU operations and product development, including incident management and regulatory change programmes.
• Cross-Functional Delivery: Experience leading complex projects with technology, operations, compliance, risk, and legal teams.
• Data & Analytics: Strong analytical skills, with hands-on experience using data and reporting tools to drive decisions.
• Stakeholder Management: Excellent communication skills, able to align technical and non-technical teams and represent product needs across stakeholder fora.
• Commercial Acumen: Understanding of cost drivers, pricing models, and P&L implications for payments products.

About Us

J.P. Morgan is a global leader in financial services, providing strategic advice and products to the world\\\’s most prominent corporations, governments, wealthy individuals and institutional investors. We strive to build trusted, long-term partnerships to help our clients achieve their business objectives.

We recognise that our people are our strength and value diversity and inclusion. We are an equal opportunity employer. We do not discriminate on protected attributes. 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 information about requesting an accommodation.

About the Team

Our Corporate Functions cover finance, risk, human resources and marketing. The Digital team creates innovative products and experiences that help customers access, share and control their financial data to make smart decisions. Our teams adhere to the firm\\\’s data sharing principles of security, customer control and convenience, and privacy.