Transactional Credit Management

**JOB DESCRIPTION**
You enjoy shaping the future of product innovation as a core leader, driving value for customers, guiding successful launches, and exceeding expectations. Join our dynamic team and make a meaningful impact by delivering high-quality products that resonate with clients.

As a Product Manager in J.P. Morgan Payments, 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.

The Transactional Credit Management (TCM) team is a newly formed global team that has a follow-the-sun model supporting the Payments organization. The TCM team is responsible for the 1LOD Payments frameworks and internal policies that define the business-owned risk appetites across payments products and verticals, covering both Credit-managed and non-Credit-managed clients. The team functions as an internal clearing house (In-Business Risk) within the Payments businesses for items pertaining to risk management. Partnering with internal First Line of Defense partners (Product, Product Development, Technology, Sales, Operations etc.) and working in close partnership with Second Line of Defense partners (Credit Risk Management, Credit Risk Middle Office, Compliance, Treasury etc.) to ensure coordinated processes that have beneficial outcomes for the firm, while also driving positive client experiences. The team functions as Subject Matter Experts across the payment verticals including but not limited to Liquidity & Account Solutions (L&AS), Clearing, Foreign Exchange, Receivables, Public Sector and Commercial Card and various technology platforms. The team reports into the Head of Transactional Credit Management, and will be part of the Liquidity & Account Solutions (L&AS) organization within J.P. Morgan Payments.

**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 Credit Risk, Credit Risk Middle Office and functional teams across Payments to plan and execute tactical and strategic roadmap for end-to-end management of onboarding/offboarding protocol for non-Credit-managed clients
- Establishes and executes governance framework, in partnership with functional teams across Payments, to monitor non-Credit-managed client populations globally to ensure accurate and timely onboarding/offboarding, and identifies opportunities for refinement
- Coordinates, in partnership with Transaction Approval Group / Transaction Risk Management and other Payments partners, on development and implementation of business rules, approval and escalation process and operating model for intraday transaction decisioning for non-Credit-managed clients
- Develops, in partnership with Exposure Management, governance, monitoring and reporting on processes above relating to non-Credit-managed clients
- Collaborates with Product Development and Technology in the identification and submission of technical requirements for strategic funds control platform development
- Communicates strategic operating model changes and TCM team remit to regional internal and client-facing stakeholders (Sales, Client Service, Operations)

**Required qualifications, capabilities, and skills**
- 5+ years of experience or equivalent expertise in product management, credit risk management, or a relevant domain area
- Bachelor degree in Finance or related discipline
- 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 handling and navigating systems, large data sets and analytics
- Strong organizational and communications skills
- Keen ability to navigate across a broad set of global functional stakeholders to solve problems and influence outcomes

**Preferred qualifications, capabilities, and skills**
- Demonstrated prior experience working in a highly matrixed, complex organization
- Payments-related credit risk or transactional credit risk