Payment Lifecycle Analyst

JPMorganChase; Bengaluru; On-site; INR 1,200,000 - 2,000,000; Full time

Job summary

JPMorganChase in Bengaluru seeks a Payment Lifecycle Analyst to optimize funding, automate processes, and strengthen cybersecurity within Payments Operations. You will manage liquidity, analyze data for stakeholders, and collaborate across treasury, risk, and technology to drive improvements.

The role emphasizes deep knowledge of cash movement, stakeholder management, and leveraging automation to enhance payment processing and operational controls in a fast-paced financial environment.

Qualifications

• 5+ years' experience in cash management or payments operations.
• Data analysis skills to communicate insights to senior stakeholders.
• Strong communication and interpersonal skills for fast-paced environments.

Responsibilities

• Monitor daily cash positions to ensure funding and liquidity.
• Forecast near-term liquidity needs using intraday activity and obligations.
• Execute funding actions in line with guidelines and cutoffs.
• Process end-to-end cash flows to support accurate booking and settlement.
• Reconcile cash activity and investigate breaks to closure.
• Validate booking accuracy and downstream cash movement.

Skills

Cash management

Data analysis

Interpersonal communication

Cybersecurity awareness

Continuous improvement

Tools

AI analytics

Workflow automation

Job description

Job Description

Are you ready to make an impact in the world of digital payments? Join our team where your analytical prowess and problem-solving skills will help shape the future. We offer a stimulating environment with opportunities for constant learning and expanded responsibilities.

Job Description

Are you ready to make an impact in the world of digital payments? Join our team where your analytical prowess and problem-solving skills will help shape the future. We offer a stimulating environment with opportunities for constant learning and expanded responsibilities. As a Payment Lifecycle Analyst within Payments Operations, you will play a pivotal role in ensuring the smooth transfer of funds between various parties while enhancing our payment operations framework. You will leverage your knowledge of automation technologies and systems architecture to process payments across various products and parties. Your responsibilities include identifying and resolving issues, making decisions guided by established practices, and contributing to short-term operational goals. You will engage with stakeholders, manage projects, and spur continuous improvement initiatives, building strong working relationships with internal lines of business. Your ability to understand and apply cybersecurity controls, anti-fraud strategies, and data analysis techniques will be key to your success in this role.

Job Responsibilities

• Monitor daily cash positions to ensure sufficient funding and liquidity across accounts and currencies.
• Forecast near-term liquidity needs using intraday activity, projected flows, and known obligations.
• Execute funding actions in line with internal guidelines, approvals, and time-critical cutoffs.
• Process end-to-end cash flows to support accurate booking and timely settlement.
• Reconcile cash activity across Nostros/accounts and investigate breaks to closure.
• Validate booking accuracy and downstream cash movement to minimize operational and settlement risk.
• Prioritize time-sensitive tasks independently to deliver flawless execution under strict deadlines.
• Partner with Operations, Treasury, Finance, Risk, and Technology to resolve exceptions and unblock processing.
• Communicate clear intraday status updates, risks, and actions to stakeholders with appropriate escalation.
• Engage trading desks to understand funding requirements and align cash movements to desk needs.
• Improve processes and controls by identifying root causes, driving remediation, and supporting automation initiatives.

Required Qualifications, Capabilities, And Skills

• Cash Management Experience with minimum 5 years of experience supporting .
• Proficiency in data analysis techniques to interpret and communicate insights for informed decision-making with senior stakeholders.
• Commercial and growth mindset to adapt to fast-paced environments and new business initiatives, with strong interpersonal and communication skills.
• Understanding of cybersecurity controls and anti-fraud strategies to protect information and systems, and ability to navigate dynamic environments with evolving priorities.
• Familiarity with continuous improvement methodologies and design-thinking techniques to drive continuous improvement initiatives.

Preferred Qualifications, Capabilities, And Skills

• Knowledge of ISO or Swift message processing or management.
• Experience with operations, controls and problem solving related to Payments, Cash, Treasury Operations.
• 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

About Us

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.

About The Team

J.P. Morgan Asset & Wealth Management delivers industry-leading investment management and private banking solutions. Asset Management provides individuals, advisors and institutions with strategies and expertise that span the full spectrum of asset classes through our global network of investment professionals. Wealth Management helps individuals, families and foundations take a more intentional approach to their wealth or finances to better define, focus and realize their goals.