Payment Lifecycle Analyst

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

Job summary

JPMorganChase in Mumbai is seeking a Payment Lifecycle Analyst to support the smooth transfer of funds and enhance our payments operations. You will apply automation knowledge and data analysis to resolve issues, engage stakeholders, and drive continuous improvement across multiple products and locations.

You will collaborate with Treasury, manage intraday liquidity, and participate in testing and system enhancements to strengthen business continuity and reduce delays in a fast-paced environment.

Qualifications

• Experience in cash operations, market operations, or liquidity operations within a financial institution.
• Ability to analyze data, identify root causes, and propose solutions under time constraints.
• Strong accuracy and attention to detail in high-pressure environments.
• Excellent communication and collaboration across teams and stakeholders.

Responsibilities

• Support 24/7 shift coverage to meet service expectations across client experience, risk management, and continuous improvement.
• Monitor intraday cash positions across Nostros to ensure adequate liquidity.
• Execute internal and external Nostro fund transfers in line with controls and cut-off times.
• Reconcile daily cash activity, investigate discrepancies, and coordinate follow-ups to resolve breaks.
• Partner with Treasury to manage intraday liquidity and funding requirements.
• Track clearing queues and payment processing systems to ensure timely settlement and stable connectivity.
• Respond to operational issues by applying structured problem-solving to resolve delays and incorrect postings.
• Analyze LOB inflows/outflows to support cash forecasting and timely funding decisions.
• Participate in regression testing and system enhancements for cash processing changes.
• Strengthen business continuity and contribute to automation and process improvements.

Skills

Cash operations

Liquidity management

Data analysis

Problem solving

Communication

Stakeholder management

Education

Bachelor's degree in Finance or related field

Tools

SWIFT

ISO messaging

Reconciliation tools

RTGS

CHAPS

TARGET2

Job description

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.

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

• Support 24/7 shift coverage, including weekends as needed, to meet service expectations across client experience, risk management, and continuous improvement.
• Monitor intraday cash positions across Nostros to ensure adequate liquidity.
• Execute internal and external Nostro fund transfers in line with controls, guidelines, and cut-off times.
• Reconcile daily cash activity, investigate discrepancies, and coordinate follow-ups to resolve breaks.
• Partner with Treasury to manage intraday liquidity and funding requirements.
• Track clearing queues and payment processing systems to ensure timely settlement and stable connectivity.
• Respond to operational issues by applying structured problem-solving to resolve payment delays, unmatched items, and incorrect postings.
• Analyze LOB inflows and outflows to support cash forecasting and timely funding decisions.
• Participate in regression testing and system enhancement implementation for cash processing changes.
• Strengthen business continuity readiness and contribute to automation and process improvement initiatives.
• Standardize and simplify processes by collaborating with global managers and using data-driven insights to improve service delivery across locations.

Required Qualifications, Skills And Capabilities

• Strong problem-solving mindset with the ability to analyze data, identify root causes, and suggest effective solutions under time constraints.
• High level of accuracy and attention to detail, especially in high-pressure, time-sensitive environments.
• Ability to multi-task under time constraints.
• Excellent communication and collaboration skills across multiple teams and stakeholders.
• Experience in cash operations, market operations, or liquidity operations within a financial institution.
• Working knowledge of banking/payment systems (e.g., SWIFT, ISO, Reconciliation tools, RTGS, CHAPS, TARGET2, etc.).

Preferred Qualifications, Skills And Capabilities

• Experience with Business Intelligence tools such as Tableau, Alteryx, or Qlikview.
• Skills in data management and analysis, with the ability to source, analyze, and visualize large data sets.
• Ability to work comfortably under pressure and meet deadlines.
• Experience in industrializing new 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's Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.