Associate - Product Controller

JPMorganChase; Bengaluru; On-site; INR 2,500,000 - 4,500,000; Full time

Job summary

JPMorganChase in Bengaluru seeks a senior accounting professional to lead month-end close, management reporting, and regulatory submissions within the Controllers organization for Retail Banking/Card. You will partner with Card leaders, Finance, PMs, and control groups to deliver accurate, timely reporting and strengthen controls.

This role requires 8–10 years of experience, strong analytical skills, and a proven ability to drive cross-functional initiatives in a deadline-driven environment.

Qualifications

• Bachelor's degree in Accounting is required.
• 8–10 years in an accounting/controllership environment.
• CA / CPA / MBA (Finance) preferred.
• Experience in Controllers within Retail Banking/Card is preferred.

Responsibilities

• Month-end close and reporting oversight.
• Prepare, review, and supervise month-end close and reporting deliverables.
• Perform variance analysis and communicate insights to stakeholders.
• Support preparation and review of financial reporting for internal and external reporting.
• Support SEC and regulatory reporting processes and submissions.
• Review system enhancements impacting financial reporting (e.g., SAP/Essbase).
• Drive process improvements and strengthen controls to reduce risk.
• Assist with adoption of US GAAP accounting standards.

Skills

Advanced Excel

Variance analysis

Leadership

Governance & controls

Education

Bachelor's degree in Accounting

CA / CPA / MBA (Finance)

Tools

SAP

Essbase

Job description

Role Overview

This role supports the Controllers organization within the Retail Banking/Card business, with primary responsibility for month-end close, management reporting, regulatory/SEC support, and ongoing enhancement of financial and regulatory reporting processes and controls. The associate will partner closely with Card business leaders, Finance, Project Managers, and control groups to deliver accurate, timely, and well-governed reporting.

Job Description

Role Overview

This role supports the Controllers organization within the Retail Banking/Card business, with primary responsibility for month-end close, management reporting, regulatory/SEC support, and ongoing enhancement of financial and regulatory reporting processes and controls. The associate will partner closely with Card business leaders, Finance, Project Managers, and control groups to deliver accurate, timely, and well-governed reporting.

Key Responsibilities

• Month-end close & reporting oversight
• Prepare, review, and supervise month-end close and reporting deliverables, ensuring accuracy, completeness, and timeliness.
• Perform and review variance analysis, identify key drivers, and communicate insights to stakeholders and management.
• Financial, SEC & regulatory submissions
• Support preparation and review of financial reporting and documentation required for internal and external reporting.
• Provide support for SEC and regulatory reporting processes, including coordination, validation, and timely issue resolution.
• Recovery & Resolution / US regulatory support
• Support periodic Recovery & Resolution appendices and other US regulatory submissions, ensuring adherence to governance and documentation standards.
• Systems, controls, and change management
• Review, test, and validate system enhancements impacting financial and regulatory reporting (e.g., SAP/Essbase outputs, upstream/downstream impacts).
• Drive process improvements, strengthen controls, and implement sustainable procedures to reduce operational risk.
• Accounting standards & policy implementation
• Assist with adoption of new US GAAP accounting standards and evolving regulatory requirements; assess impacts and support implementation and reporting updates.
• Stakeholder management & escalation
• Build strong working relationships across Card leadership, Finance, PMs, and control partners.
• Proactively and constructively escalated issues, and present complex topics clearly and concisely to management.
• People development
• Coach and support onboarding for new joiners and junior team members; contribute to a strong team culture and knowledge-sharing.

Required Qualifications & Experience

• Education: Bachelor's degree in Accounting (required).
• Experience: 8–10 years in an accounting/controllership environment (internal or external).
• Preferred certifications: CA / CPA / MBA (Finance).
• Domain preference: Prior experience in Controllers within Retail Banking/Card (preferred).

Skills & Competencies

• Strong understanding of US GAAP (preferred).
• Strong analytical capability including variance analysis and ability to synthesize large datasets into clear messaging for leadership.
• Strong problem-solving, critical thinking, and attention to detail; able to operate with appropriate governance and controls mindset.
• Ability to learn quickly, structure an approach, and execute to deliver results in a deadline-driven environment.
• Strong project execution skills; ability to drive deliverables across stakeholders.
• Strong organizational skills and ability to manage multiple priorities simultaneously.
• Demonstrated leadership and people management / mentoring capability.

Systems / Tools (Preferred)

• Advanced Excel skills.
• Experience with SAP and Essbase (preferred).

Work Schedule

• Primary shift: 2:00 PM - 11:00 PM, with extension during critical business periods (e.g., month-end, quarter-end, key regulatory deadlines).

ABOUT US

JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.

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. Visit our FAQs for more information about requesting an accommodation.

About The Team

Our Consumer & Community Banking division serves our Chase customers through a range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. We're proud to lead the U.S. in credit card sales and deposit growth and have the most-used digital solutions – all while ranking first in customer satisfaction.

Global Finance & Business Management works to strategically manage capital, drive growth and efficiencies, maintain financial reporting and proactively manage risk. By providing information, analysis and recommendations to improve results and drive decisions, teams ensure the company can navigate all types of market conditions while protecting our fortress balance sheet.