Structured Working Capital Global Product Lead - Payments - Executive Director

Ignite your passion for product innovation by leading customer‑centric development, inspiring solutions, and shaping the future with your strategic vision and influence.

As the Structured Working Capital Global Executive Director Product Lead within Trade & Working Capital, you will have global accountability and ownership for product strategy, P&L, and end‑to‑end product delivery. You will leverage your advanced capabilities to challenge traditional approaches, remove barriers to success, and foster a culture of continuous innovation that helps inspire cross‑functional teams to create groundbreaking solutions that address customer needs.

Trade & Working Capital ("TW&C") is a division of J.P. Morgan Payments. TW&C connects counterparties with market‑leading Supply Chain Finance, Receivables Finance, Inventory Finance, Contract Monetization, Commodity Trade Finance, Working Capital Lending, Export Agency Finance (EAF), and Traditional Trade solutions. Structured Working Capital is part of (T&WC) and includes Receivables Finance, Contract Monetization, Commodity Trade Finance and Inventory Finance.

Job responsibilities

• Oversee the product roadmap, vision, development, execution, risk management, and business growth targets; own product performance and invest in enhancements to achieve business objectives; oversee business continuity resiliency plans.
• Lead the entire product life cycle through planning, execution, commercialization, and future development by continuously adapting, developing new products and methodologies, managing risks, monitoring and reporting on product exceptions, and achieving business targets such as cost, features, reusability, and reliability to support growth.
• Coach and mentor the product team on best practices, such as solution generation, market research, storyboarding, mind‑mapping, prototyping methods, product adoption strategies, and product delivery, enabling them to effectively deliver on objectives.
• Manage product‑level P&L, balance sheet, RWA and capital, including planning, forecasting, and reconciliation.
• Ensure readiness for OCC and Audit; engage with Audit/Trade Controls.
• Serve as the key point of connection with regulators and local governance bodies.
• Ensure products have obtained required regulatory, controls, and compliance sign‑off prior to launch.
• Manage Third‑Party Oversight (TPO) process and TPO relationship management.
• Ensure understanding of the client and regional market, and emerging trends to identify gaps and opportunities; research market dynamics and the competitor landscape and identify opportunities for product differentiation.
• Partner with Technology and Product Delivery to deliver a competitive digital platform strategy.
• Manage product‑level governance and risk and control environment, including product approvals and renewals and cross‑functional collaboration with Risk, Legal, and Compliance.

Required qualifications, capabilities, and skills

• Able to demonstrate senior level experience in a similar role or equivalent expertise delivering products, projects, or technology application.
• Experience in Trade & Working Capital, Payments, Investment Banking or Credit Risk.
• Experience working with regulators and local governance bodies.
• Extensive knowledge of the product development life cycle, technical design, and data analytics.
• Proven ability to influence the adoption of key product life cycle activities including discovery, ideation, strategic development, requirements definition, and value management.
• Proven experience managing large global teams and driving cross‑regional collaboration.
• Experience driving change within organizations and managing stakeholders across multiple functions.
• Exceptional organization, communication, and management skills.
• Strong communication skills both verbal and written.

Preferred qualifications, capabilities, and skills

• Recognized thought leader within a related field.

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. Our first‑class business in a first‑class way approach to serving clients drives everything we do. We strive to build trusted, long‑term partnerships to help our clients achieve their business objectives. We recognize 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, color, 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.