Billing Ops Payment Lifecycle Associate

JP Morgan Chase; Karnataka; On-site; INR 900,000 - 1,500,000; Full time

Job summary

JP Morgan Chase is seeking a Payment Lifecycle Associate II to lead invoice clearing operations, ensure timely payment matching, and drive process improvements. You will manage a team, monitor KPIs, and coordinate with multiple stakeholders to resolve issues while upholding strong controls across payments, reconciliation, and cash allocation.

You will apply your experience in billing operations, stakeholder management, and risk management to optimize efficiency, accuracy, and turnaround times,

Qualifications

• Bachelor's degree in Commerce, Finance, Accounting, Business Administration or a related discipline.
• Experience in billing operations and payment-related processes.
• Strong understanding of payment application and reconciliation.
• Leadership experience with coaching and development of team members.
• Risk-aware with ability to identify and remediate control gaps.
• Ability to manage competing priorities and high-volume transactions.
• Excellent written and verbal communication with senior stakeholders.
• Willingness to work the specified shift and adapt to changes.

Responsibilities

• Lead day-to-day Invoice Clearing operations, ensuring payments are matched and applied within SLAs.
• Manage team capacity, productivity and daily work allocation based on volumes and risk.
• Monitor performance indicators like payment-matching timelines and aging items.
• Coordinate with Billing, Operations, Finance and Client Service to resolve issues.
• Oversee aged items and ensure proper escalation and remediation.
• Maintain strong control environment by following procedures and policies.
• Investigate errors, identify root causes and implement preventive actions.
• Analyze data and trends to drive productivity and accuracy improvements.
• Represent Invoice Clearing in governance forums with clear updates on risks and improvements.

Skills

Billing operations

Payment application

Invoice clearing

Cash allocation

People leadership

Risk and control mindset

Stakeholder management

Communication skills

Education

Bachelor's degree in Commerce/Finance/Accounting

Job description

Join a team shaping the future of digital payments and drive your professional growth. Become a pivotal leader at the forefront of revolutionizing payment operations, where your expertise will help drive efficiency across our financial systems.

As a Payment Lifecycle Associate II within Payments Operations, you will play a pivotal role in enhancing our payment operations framework by streamlining processes, implementing new technologies, and developing operational functions. You will manage payment processing across various products, ensuring smooth fund transfers and reconciling purchase and sales options, futures, or securities, while leveraging your proficiency in automation, cybersecurity, and anti-fraud awareness to ensure security and efficiency. Your ability to manage stakeholders, influence decisions, and handle conflicts will drive mutually beneficial outcomes, and your strategic planning skills will guide our direction and resource allocation decisions. Additionally, your proficiency in AI/ML will be utilized to solve complex problems and enhance processes, applying your knowledge in market product and process improvement to optimize our operations.

Job responsibilities

• Lead the day-to-day Invoice Clearing operations, ensuring incoming payments are accurately and promptly matched and applied to outstanding invoices within established service levels and control requirements.
• Manage team capacity, productivity and daily work allocation, adjusting resources and priorities based on transaction volumes, ageing, risk and operational requirements.
• Monitor key performance and control indicators, including payment-matching timelines, outstanding and aged items, unmatched or unapplied payments, exceptions and processing errors.
• Drive the timely investigation and resolution of payment breaks and exceptions by coordinating with Billing, Operations, Finance, Client Service and other relevant stakeholders.
• Provide active oversight of aged and unresolved items, ensuring appropriate ownership, follow-up, escalation and remediation.
• Maintain a strong operational control environment by ensuring adherence to established procedures, policies, escalation requirements and applicable control standards.
• Investigate processing errors and recurring exceptions, identify root causes and implement corrective and preventive actions.
• Analyse operational data and trends to drive measurable improvements in productivity, accuracy, controls and turnaround times.
• Promote accountability and a strong control culture by reinforcing procedural discipline, accuracy, timely escalation and end-to-end ownership.
• Represent Invoice Clearing in governance, operational, risk and stakeholder forums, providing clear updates on performance, risks, issues and improvement initiatives.

Required qualifications, capabilities, and skills

• Bachelor's degree in Commerce, Finance, Accounting, Business Administration or a related discipline.
• Relevant experience in billing operations, payment application, invoice clearing, cash allocation or comparable financial operations.
• Strong understanding of basic accounting principles, particularly payment application and reconciliation.
• Demonstrated people‑leadership experience, including team management, performance management, coaching, mentoring and employee development.
• Strong risk and control mindset, with the ability to identify operational risks, control gaps, recurring exceptions and appropriate remediation.
• Proven ability to manage competing priorities, high transaction volumes, operational deadlines and escalations.
• Excellent written and verbal communication skills, with the ability to communicate effectively with senior stakeholders and cross‑functional partners.
• Demonstrated ability to challenge existing processes and drive continuous improvement while maintaining appropriate operational controls.
• Ability to work the specified shift of…