JP Morgan Chase – Payment Lifecycle Associate J.P. Morgan

The Corporate Institute; Bengaluru; On-site; INR 600,000 - 800,000; Full time

Job summary

The Corporate Institute in Bengaluru, Karnataka is seeking a Payment Lifecycle Associate I within Payments Operations to streamline processes, implement new technologies, and manage payment processing across products. You will work on automation, cybersecurity, anti-fraud measures, and AI/ML-driven improvements to enhance operational efficiency and customer experience.

Ideal candidates will bring 2+ years in payments operations, strong data analysis, and stakeholder management skills to drive

Qualifications

• Demonstrated ability to lead or manage payments operations with 2+ years of experience.
• Proficient in data analysis techniques and communicating insights to senior stakeholders.
• Strong problem-solving, proactive attitude, and ability to handle changing workloads.

Responsibilities

• Review and process payments across products, ensuring accurate and timely fund transfers and handling issues.
• Deliver moderately complex payment lifecycle projects, contributing to client experience and process optimization.
• Lead or contribute to initiatives with automation, process re-engineering, risk management, cybersecurity, and anti-fraud opportunities.
• Conduct research and data analysis to resolve non-routine payment lifecycle issues including cash, trade, merchant, or commercial card transactions and fraud detection.
• Apply knowledge of systems architecture and automation technologies to identify inefficiencies and define project requirements and metrics.
• Build relationships with stakeholders and teams to drive mutually beneficial outcomes and support fraud prevention and talent development.

Skills

Operations leadership

Data analysis

Problem solving

Stakeholder management

Automation

Cybersecurity awareness

Anti-fraud awareness

AI/ML experience

Job description

About the role

Join a team shaping the future of digital payments and drive your professional growth. Unlock your potential and make a meaningful impact in a fast-paced and innovative environment.

As a Payment Lifecycle Associate I within Payments Operations, you will enhance our payment operations framework by streamlining processes, implementing new technologies, and developing operational functions, while managing payment processing across various products to ensure smooth fund transfers and reconcile purchase and sales options, futures, or securities. Leveraging your proficiency in automation, cybersecurity, and anti-fraud awareness, you will ensure the security and efficiency of our payment lifecycle. Your ability to manage stakeholders, influence decisions, and handle conflicts will drive mutually beneficial outcomes, while 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

• – Review and process payments across various products, ensuring accurate and timely fund transfers, while resolving production or quality issues and escalating delays to management and stakeholders.
• – Manage and deliver moderately complex payment lifecycle projects, contributing to client experience, transformation initiatives, and process optimization.
• – Lead or contribute to operational initiatives, providing expertise in automation, process re-engineering, risk management, cybersecurity, and anti-fraud opportunities.
• – Conduct research and data analysis to resolve non-routine payment lifecycle issues, including cash, trade, merchant, or commercial card transactions, and fraud detection.
• – Apply knowledge of systems architecture and automation technologies to identify inefficiencies, improve quality, and enhance customer experience, while defining project requirements and metrics.
• – Build effective relationships with stakeholders and teams to drive mutually beneficial outcomes, ensure smooth operations, and participate in fraud prevention and talent development.

Required qualifications, capabilities, and skills

• – Demonstrated ability in operations leadership or management within payments, with at least two years of experience, showcasing advanced knowledge of global payment processing operations, products, and systems architecture to effectively support efficiency and change management.
• – Demonstrates self-reliance and a proactive approach to problem-solving, with the ability to navigate dynamic environments and shifting workloads across complex products.
• – Proficient in data analysis techniques, capable of interpreting and communicating insights to inform decision‑making with senior stakeholders.
• – Applies a commercial and growth mindset to adapt to fast‑paced operations and new business initiatives, leveraging strong interpersonal skills to optimize relationships and collaboration.
• – Understands cybersecurity controls and anti‑fraud strategies to protect information and systems, with familiarity in continuous improvement methodologies and design thinking techniques.
• – Proficient in using automation technologies to optimize payments processing, with a proven track record in enhancing customer experience throughout the customer journey.

Preferred qualifications, capabilities, and skills

• – Knowledge of ISO or Swift message processing or management.
• – Developing experience using AI‑powered analytics, workflow automation, or intelligent process tools to drive efficiency gains, reduce manual effort, or improve accuracy in operational processes.