Payment Lifecycle Associate I

JPMorgan Chase & Co.; Bengaluru; On-site; INR 900,000 - 1,400,000; Full time

Job summary

JPMorganChase in Bengaluru is seeking a Payment Lifecycle Associate I within Payments Operations to help streamline processes and adopt new technologies, delivering reliable fund transfers.

You will manage moderately complex payment lifecycle projects, apply automation and cybersecurity practices, and use AI/ML to improve operations and customer experience.

Develop strong stakeholder relationships and drive operational excellence in a fast-paced, innovative environment.

Qualifications

• 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.

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.

Skills

Operations leadership

Data analysis

Problem solving

Commercial growth mindset

Cybersecurity controls

Automation in payments

AI/ML knowledge

Stakeholder management

Swift/ISO messaging familiarity

Job description

• Business Unit Commercial & Investment Bank
• Posting Date 09/11/2026, 05:56 AM
• Locations Parcel 9, Embassy Tech Village, Outer Ring Road, Deverabeesanhalli Village, Varthur Hobli, Bengaluru, IN-KA, 560103, IN
• Apply Before 09/15/2026, 04:00 AM
• Job Schedule Full time
• Job Shift Day

Job Description

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.

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 ourFAQs 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.