Payment Lifecycle Associate I

J.P. Morgan Chase & Co.; Bengaluru; On-site; INR 2,400,000 - 4,800,000; Full time

Job summary

JP Morgan Chase in Bengaluru is seeking a Payment Lifecycle Manager I within Payments Operations. You will drive improvements in payment processing, oversee operations, and apply automation and AI/ML techniques to optimize efficiency and security across multiple product areas.

The role emphasizes stakeholder management, responsible decision-making, and a proactive approach to fraud prevention and risk mitigation.

Qualifications

• Experience leading payments operations with 2+ years in a similar role.
• Deep knowledge of global payment processing and systems architecture to support efficiency and issue management.
• Strong data analysis with ability to communicate insights to senior stakeholders.
• Commercial and growth mindset for fast-paced operations and new business initiatives.
• Understanding of cybersecurity controls and anti-fraud strategies to protect information and systems.
• Proven track record of using automation to improve payments processing and customer experience.

Responsibilities

• Lead teams for operational processes within the payments lifecycle by setting priorities and monitoring metrics.
• Oversee payment processing operations, set daily goals, delegate work, and improve client experience.
• Manage daily operations, resolve production or quality issues, escalate delays, and ensure key control tasks.
• Apply strategic thinking and strong judgment to drive collaborative teams and decisions.
• Participate in fraud detection and risk mitigation, aligning resources with long-term goals.
• Lead projects on client experience, process optimization, automation, risk management, and compliance.

Skills

Operations leadership

Payments processing

Data analysis

Stakeholder management

Automation

Cybersecurity

Anti-fraud

Strategic planning

AI/ML usage

Regulatory compliance

Tools

Swift messaging

ISO 20022

ERP systems

Automation tools

Job description

Join our team and shape the future of digital payments. Be at the forefront of revolutionizing payment operations, driving efficiency, and enhancing our financial systems. Unlock your potential and make a meaningful impact in a fast-paced and innovative environment.

As a Payment Lifecycle Manager I within Payments Operations, you will play a pivotal role in enhancing our payment operations framework by streamlining processes, implementing new technologies, and developing operational functions. You will manage payment processing across various products, ensuring smooth fund transfers and reconciling purchase and sales options, futures, or securities, while leveraging your proficiency in automation, cybersecurity, and anti-fraud awareness to ensure security and efficiency. Your ability to manage stakeholders, influence decisions, and handle conflicts will drive mutually beneficial outcomes, and 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 operations.

Job responsibilities

• Lead teams responsible for operational processes within the payments lifecycle by setting priorities, directing workflows, and monitoring performance against established metrics.


• Oversee payment processing operations, setting daily production goals, delegating work, and implementing action plans to achieve strategic priorities, high productivity, quality, and enhanced client experience.


• Manage daily operations, resolving production or quality issues, escalating process delays to management, and ensuring key control tasks are executed on business initiatives.


• Apply strategic thinking and sound judgment in decision-making, while leveraging leadership, communication, and conflict resolution skills to build collaborative and engaged teams.


• Participate in fraud detection and prevention, mitigating financial and reputational risks, and assist in strategic initiatives to align resource allocation with long-term goals.


• Lead or contribute to projects related to client experience, process optimization, and provide expertise in automation, risk management, and compliance with operational guidelines.

Required qualifications, capabilities, and skills

• Demonstrated ability in operations leadership or management within payments, with at least two years of experience, effectively leading high-performing and engaged teams to drive success.


• Advanced knowledge of global payment processing operations, products, and systems architecture to support operational efficiency, change management, and issue management.


• Proficiency in data analysis techniques, capable of interpreting and communicating insights to inform decision-making with senior stakeholders.


• Ability to apply a commercial and growth mindset to adapt to fast-paced operations environments and new business initiatives, leveraging strong interpersonal skills for collaboration.


• Understanding of cybersecurity controls and anti-fraud strategies to identify and address potential threats, ensuring the protection of information and systems.


• Demonstrated proficiency 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.


• Experience with operations, controls and problem solving related to Payments, Cash, Treasury Operations.


• Experience in global payments and understanding of accounting and money movement processes.