Associate Product Owner - Lending Operations

JP Morgan Services India Pvt Ltd; Bengaluru; On-site; INR 2,500,000 - 3,800,000; Full time

Job summary

JPMorgan Chase in Bengaluru invites applications for an Associate - Product Owner in the Digital & Platform Services team. You will shape the product vision for lending operations, drive AI-first transformation across the end-to-end deal booking lifecycle, and partner with business teams to deliver scalable capabilities.

The role requires deep domain knowledge of lending operations, experience in product lifecycle management, and ability to work with engineering on automation and AI-driven

Qualifications

• Bachelor's degree with 8+ years experience in product management or a relevant domain area.
• 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.
• Demonstrated prior experience of senior stakeholder / dependency management.
• Knowledge of technology standards, industry trends, and emerging technologies, including artificial intelligence.
• Experience writing technical stories using industry-standard tools and notations (e.g., Jira/Confluence).

Responsibilities

• Set product vision/strategy and shape the roadmap through discovery (interviews, process deep-dives, data/controls analysis).
• Own and refine the backlog (epics/features/stories) aligned to priorities and measurable outcomes.
• Track success metrics across cost, functionality, risk posture, and reliability to drive decisions.
• Drive simplification/modernization of commercial lending servicing with engineering partners.
• Deliver scalable capabilities across the lending lifecycle (credit, underwriting, closing, funding and servicing).
• Ensure requirements are clear, testable, and traceable - avoiding one-off solutions.
• Align business, ops, tech, and controls on scope, sequencing, and trade-offs.
• Manage dependencies, risks, and decisions; communicate changes clearly.
• Ensure operational readiness and adherence to risk/control and quality standards.
• Lead QA/UAT and support go-live, hypercare, and continuous improvement using feedback and outcomes.
• Identify productivity/efficiency/control improvements via redesign, digitization, and automation and Use personas/UX inputs to keep decisions user-centric.

Skills

Product management

Stakeholder mgmt

AI/Automation

Jira/Confluence

Education

Bachelor's Degree

Tools

Loan IQ

ACBS

Job description

Product Owner - Lending operations - Associate Are you looking for an exciting opportunity to join a dynamic and growing team in a fast-paced and challenging area? This is a unique opportunity to work in the Product Management team, partnering with the Business to drive AI-first transformation across end-to-end deal booking. As an Associate - Product Owner in the Digital & Platform Services team, you will play a key role in leveraging AI and intelligent automation to streamline the end-to-end booking lifecycle - reducing manual touchpoints, accelerating accuracy, and driving business performance. The role requires strong domain understanding of lending operations and the end-to-end loan lifecycle, with a focus on how AI and automation enhance workflows across origination, booking, and servicing. Working knowledge of vendor platforms such as Finastra Loan IQ, FIS ACBS, and other market-leading lending systems is essential.

Job Responsibilities

• Set product vision/strategy and shape the roadmap through discovery (interviews, process deep-dives, data/controls analysis).
• Own and refine the backlog (epics/features/stories) aligned to priorities and measurable outcomes.
• Track success metrics across cost, functionality, risk posture, and reliability to drive decisions.
• Drive simplification/modernization of commercial lending servicing with engineering partners.
• Deliver scalable capabilities across the lending lifecycle (credit, underwriting, closing, funding and servicing).
• Ensure requirements are clear, testable, and traceable - avoiding one-off solutions.
• Align business, ops, tech, and controls on scope, sequencing, and trade-offs.
• Manage dependencies, risks, and decisions; communicate changes clearly.
• Ensure operational readiness and adherence to risk/control and quality standards.
• Lead QA/UAT and support go-live, hypercare, and continuous improvement using feedback and outcomes.
• Identify productivity/efficiency/control improvements via redesign, digitization, and automation and Use personas/UX inputs to keep decisions user-centric.

Required qualifications, capabilities and skills

• Bachelor's Degree with minimum 8 years' experience including minimum of 5 years of experience or equivalent expertise in product management or a relevant domain area, for commercial lending or experience in a Back office/Financial industry.
• 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.
• Demonstrated prior experience of senior stakeholder / dependency management.
• Knowledge of technology standards, industry trends, and emerging technologies, including artificial intelligence.
• Experience writing technical stories using industry-standard tools and notations (e.g., Jira/Confluence).

Preferred qualifications, capabilities and skills

• Candidates with knowledge of loan systems like Loan IQ, ACBS will be an added advantage.
• Demonstrated experience applying AI and automation to transform operational workflows.
• Knowledge of lending products, credit documentation, and end-to-end loan lifecycle processes.
• Solid understanding of project management and business analysis techniques.
• Strong communication and stakeholder management skills - able to translate between business and technology audiences with clarity.
• Commercial awareness with a genuine interest in business development and how technology drives value.

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.

Experience Level Mid Level