Associate Product Controller - Retail Banking and Card

JP Morgan Services India Pvt Ltd; Bengaluru; On-site; INR 2,500,000 - 4,000,000; Full time

Job summary

JP Morgan Services India Pvt Ltd is seeking an Associate - Product Controller in Bengaluru to support month-end close, management reporting, and regulatory reporting. You will collaborate with Card leadership, Finance, and control groups to deliver accurate, timely reporting and drive process improvements while strengthening controls.

You will oversee close deliverables, perform variance analyses, and communicate key drivers to management.

Qualifications

• Bachelor’s degree in Accounting is required.
• 8–10 years' accounting/controllership experience.
• Strong analytical skills with variance analysis.
• Ability to deliver clear messaging to leadership under deadlines.
• Excellent governance and controls mindset.

Responsibilities

• Prepare, review, and supervise month-end and quarterly close deliverables.
• Perform and review variance analysis and communicate key drivers to management.
• Support preparation and review of financial reporting for internal and external purposes.
• Provide support for SEC and regulatory reporting processes.
• Review and validate system enhancements impacting reporting (SAP, Essbase).
• Drive process improvements and strengthen controls to reduce risk.
• Assist with adoption of new US GAAP and regulatory updates.
• Build strong relationships with Card leadership, Finance, PMs, and control partners.
• Coach onboarding for new joiners and junior team members.

Skills

Analytical thinking

Variance analysis

Leadership & mentoring

Project execution

Deadline-driven

Education

Bachelor's degree in Accounting

Tools

SAP

Essbase

Excel (Advanced)

Job description

Associate - Product Controller

This role supports the Controllers organization within the Retail Banking/Card business, with primary responsibility for month-end close, management reporting, regulatory and 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 summary

As a Product Controller within Retail Banking and Card Controllers, you will support month-end close, management reporting, regulatory and SEC support, and ongoing enhancement of financial and regulatory reporting processes and controls. You will partner closely with Card business leaders, Finance, Project Managers, and control groups to deliver accurate, timely, and well-governed reporting. You will prepare, review, and supervise close deliverables; perform variance analysis; and communicate key drivers and insights to stakeholders and management. You will support financial reporting documentation and coordination for internal and external reporting, and help strengthen controls through testing, validation, and process improvements. You will also contribute to team development through coaching, onboarding support, and knowledge-sharing.

Job responsibilities

• Prepare, review, and supervise month-end and quarterly close accounting and reporting deliverables, ensuring accuracy, completeness, and timeliness.
• Perform and review variance analysis, identify key drivers, and communicate insights to stakeholders and management.
• 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.
• Review, test, and validate system enhancements impacting financial and regulatory reporting (including SAP and Essbase outputs, and upstream/downstream impacts).
• Drive process improvements, strengthen controls, and implement sustainable procedures to reduce operational risk.
• Assist with adoption of new US GAAP accounting standards and evolving regulatory requirements; assess impacts and support implementation and reporting updates.
• Build strong working relationships across Card leadership, Finance, Project Managers, and control partners.
• Escalate issues proactively and constructively, and present complex topics clearly and concisely to management.
• Coach and support onboarding for new joiners and junior team members; contribute to team culture and knowledge-sharing.

Required qualifications, capabilities, and skills

• Bachelor’s degree in Accounting (required).
• 8–10 years of experience in an accounting/controllership environment (internal or external).
• 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; ability 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 or mentoring capability.
• Ability to work the primary shift of 2:00 PM – 11:00 PM, with extension during critical business periods (for example, month-end, quarter-end, key regulatory deadlines).

Preferred qualifications, capabilities, and skills

• Prior experience in Controllers within Retail Banking/Card (preferred).
• Preferred certifications: Chartered Accountant, Certified Public Accountant, or Master of Business Administration (Finance).
• Strong understanding of US GAAP (preferred).
• Advanced Excel skills.
• Experience with SAP and Essbase (preferred).