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

The Corporate Institute; Mumbai; On-site; INR 1,500,000 - 2,500,000; Full time

Job summary

J.P. Morgan Mumbai is seeking a Payment Lifecycle Associate I within Payments Operations to advance our payments framework.

You will streamline processes, implement new technologies, and manage payment processing across multiple products to ensure smooth transfers and accurate reconciliation, while applying your automation and anti-fraud awareness to safeguard operations. You will work with diverse stakeholders, influence decisions, and help plan resources.

Qualifications

• At least two years of leadership or management experience in payments operations.
• Proactive problem solving in dynamic environments.
• Proficient in data analysis and communicating insights to senior stakeholders.
• Commercial and growth mindset with strong interpersonal skills.
• Understanding of cybersecurity controls and anti-fraud strategies.
• Experience with automation technologies to optimize payments processing.

Responsibilities

• Review and process payments across products, ensuring timely transfers and resolving issues.
• Manage moderately complex payment lifecycle projects, contributing to client experience and process optimization.
• Lead or contribute to operational initiatives focused on automation, risk management, and anti-fraud opportunities.
• Conduct research and data analysis to resolve non-routine payment issues, including fraud detection.
• Apply systems architecture and automation knowledge to identify inefficiencies and improve customer experience.
• Build relationships with stakeholders to drive mutual outcomes and support fraud prevention and talent development.

Skills

Leadership in payments operations

Data analysis

Stakeholder management

Automation technologies

Cybersecurity awareness

AI/ML in payments

Job description

Shift:

Rotational (Candidate willing to work on weekend)

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.

J.P. Morgan is a global leader in financial services, providing strategic advice and products to the world’s most prominent corporations, governments, wealthy individuals and institutional investors. Our first-class business in a first-class way approach to serving clients drives everything we do. We strive to build trusted, long-term partnerships to help our clients achieve their business objectives.

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.

Location:

Mumbai