Mortgage Product Associate

JP Morgan Services India Pvt Ltd; Bengaluru; On-site; INR 1,800,000 - 2,600,000; Full time

Job summary

JP Morgan Services India Pvt Ltd is seeking a Mortgage AI Product Business Analyst to translate mortgage processes into clear requirements and user stories. You will bridge business stakeholders and technology teams, enabling delivery of AI-enabled features with strong governance and regulatory compliance.

You will work across product, technology, and data science, shaping outcomes, prioritizing features, and ensuring UAT readiness while supporting GenAI use cases in the mortgage lifecycle.

Qualifications

• 6+ years as BA/Product Analyst/PO supporting tech-enabled product delivery.
• 3+ years in mortgage/lending industry and processes.

Responsibilities

• Collaborate with stakeholders to gather and analyze business requirements for product development.
• Identify process inefficiencies and propose solutions aligned with strategic objectives.
• Experience with AI/GenAI use cases across the mortgage lifecycle, aligning to measurable outcomes.

Skills

Mortgage domain

Agile delivery

AI product fluency

Stakeholder influence

Documentation

Tools

JIRA

Confluence

Visio

Lucidchart

Job description

Product Associate - Mortgage Help modernize the US mortgage lifecycle by turning real business needs into high-impact, AI-enabled product capabilities. In this role, you will partner across business, product, technology, and data science to define outcomes, shape requirements, and deliver measurable improvements. You’ll drive clarity from ambiguity, connect end-user needs to technical execution, and help scale responsible innovation in a regulated environment. If you thrive at the intersection of mortgage operations, product delivery, and emerging AI/GenAI capabilities, this is a high-visibility opportunity to make a direct impact.

As a Mortgage AI Product Business Analyst (Agile) in Consumer & Community Banking (CCB) - Mortgage, you will serve as a critical bridge between mortgage business stakeholders and technology teams delivering new product capabilities. You will translate complex mortgage process and regulatory needs into clear requirements, process models, and well-structured user stories, enabling efficient delivery through agile practices. You will also support AI/ML/GenAI use cases across the mortgage lifecycle, ensuring solutions align to measurable business outcomes (e.g., improved customer experience, reduced cycle time, improved straight-through processing, reduced defects, improved quality/compliance) and are implemented with appropriate controls.

You should possess strong analytical, documentation, and communication skills, with experience in both product development and the mortgage/lending sector.

Job Responsibilities

• Collaborate with stakeholders to gather and analyze business requirements for product development.
• Identify process inefficiencies and propose solutions aligned with strategic objectives.
• Experience working on AI/ML/GenAI use cases across the mortgage lifecycle, aligning them to measurable business outcomes (e.g., reduced cycle time, improved STP, reduced defects, improved customer experience, improved quality/compliance).
• Document requirements, process models, and system specifications, converting them into actionable user stories.
• Work with IT and other departments to implement system changes that meet business goals.
• Support testing and validation, representing end-users during User Acceptance Testing (UAT).
• Practice agile methodologies, including story mapping, backlog management, and adherence to scrum ceremonies.
• Partner with Product Managers to elaborate features and ensure user stories meet readiness and completion criteria.
• Lead communication between business and technology teams to define product features and project milestones.
• Ensure all documentation is current, compliant, and meets regulatory standards in the mortgage industry.
• Facilitate workshops and training sessions to enhance team understanding and user adoption of new products.

Required qualifications, Capabilities, and Skills

• 6+ years of experience as a Business Analyst, Product Analyst, Product Owner, or similar role supporting technology-enabled product delivery.
• 3+ years of experience in the mortgage/lending industry, with demonstrated understanding of mortgage operations and workflows.
• Demonstrated ability to gather, synthesize, and translate complex stakeholder needs into clear requirements and user stories.
• Proven experience working in agile environments, including backlog management, story mapping, and participation in scrum ceremonies.
• Strong ability to influence and align cross-functional stakeholders, including business, product, technology, operations, and risk/control partners.
• Experience supporting testing and validation, including UAT planning/execution and defect triage in partnership with technology teams.
• Demonstrated AI product development fluency as a Product Owner/partner, including experience delivering AI-enabled features or partnering closely with data science and ML engineering teams, translating business problems into AI-suitable requirements, and familiarity with model evaluation and monitoring concepts (e.g., quality/accuracy, drift, operational performance).
• Strong written and verbal communication skills, including ability to produce high-quality documentation and present to senior stakeholders.
• Proficiency with Microsoft Office, including strong skills in Excel and PowerPoint.
• Hands-on experience with JIRA and Confluence for agile delivery and documentation management.
• Experience using process modeling tools such as Visio and/or Lucidchart.

Preferred q ualifications, Capabilities, and Skills

• Strong end-to-end US mortgage expertise spanning origination, underwriting, closing/funding.
• Strong understanding of US mortgage products.
• Working knowledge of key US mortgage regulations and control expectations, with the ability to operationalize them into product requirements (e.g., TRID, RESPA, TILA, ECOA, HMDA, FCRA, SAFE Act, AML/BSA considerations, state-specific requirements).
• Experience with GenAI and LLM-powered workflow augmentation in enterprise settings (e.g., summarization, classification, search, chat, document understanding, and knowledge retrieval) with appropriate business and operational controls.
• Understanding of responsible AI practices in regulated lending contexts, including bias and fair lending risk considerations, privacy and security expectations, governance, auditability, and explainability requirements where applicable.

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