Payment Lifecycle Associate II

JPMorgan Chase & Co.; Mumbai; On-site; INR 1,500,000 - 2,100,000; Full time

Job summary

JPMorgan Chase & Co. in Mumbai seeks a Payment Lifecycle Associate II to lead programs across the payments lifecycle, drive process improvements, and implement new technologies.

The role emphasizes automation, cybersecurity awareness, and strong stakeholder collaboration to optimize operations and balance efficiency with risk management. The candidate will engage in analytics-driven decision making, guide resource allocation, and mentor junior team members, contributing to strategic improvements

Qualifications

• At least three years of experience in payments operations leadership or management.
• Strong problem-solving and analytics capabilities to support decision-making.
• Ability to navigate dynamic priorities across complex payment products and processes.
• Proficient in data analysis and communicating insights to senior stakeholders.
• Understanding of cybersecurity controls and anti-fraud strategies.

Responsibilities

• Manage and deliver programs or projects of moderate to advanced complexity related to the payments lifecycle.
• Define project requirements, impact criteria, and metrics; provide subject matter expertise on initiatives and automation.
• Conduct research and data analysis to resolve non-routine payment lifecycle issues.
• Monitor and enhance control environment; participate in fraud detection and risk mitigation.
• Build relationships with stakeholders and cross-functional teams to drive outcomes and smooth operations.
• Coach and mentor junior talent to prepare the team for future success.

Skills

Operations leadership

Problem-solving

Data analysis

Stakeholder management

Automation technologies

Cybersecurity awareness

Job description

Join a team shaping the future of digital payments and drive your professional growth. Become a pivotal leader at the forefront of revolutionizing payment operations, where your expertise will help drive efficiency across our financial systems. As a Payment Lifecycle Associate II 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 our operations.

Job responsibilities

• Manage and deliver programs or projects of moderate to advanced complexity related to the payments lifecycle, while leading or contributing to client experience, transformation initiatives, and process optimization.
• Define project requirements, impact, outcome criteria, and metrics using process models and diagrams, providing subject matter expertise on key initiatives, new system developments, and automation opportunities.
• Conduct research and data analysis to resolve non-routine payment lifecycle issues, including cash, trade, merchant, or commercial card transactions, and client investigations.
• Monitor and enhance the control environment for technical, financial, and operations processes, participating in the detection and prevention of fraudulent transactions to mitigate risks.
• Build effective relationships with stakeholders, cross-functional and cross-locational teams, and clients to drive mutually beneficial outcomes and ensure smooth operations.
• Coach, train, mentor, and develop junior talent to equip the team for future success.

Required Qualifications, Skills and Capabilities:

• Demonstrated ability in operations leadership or management within payments, with at least three years of experience, showcasing advanced knowledge of global payment processing operations, products, and systems architecture to support operational efficiency and change management.
• Self-reliant and proactive in problem-solving, with the ability to independently conduct root cause analysis and execute analytics projects, creatively finding solutions.
• Ability to navigate effectively in dynamic environments with evolving priorities and shifting workloads across complex products, applying a commercial and growth mindset to adapt to new business initiatives.
• Proficient in data analysis techniques, capable of interpreting and communicating insights to inform decision-making with senior stakeholders, while leveraging strong interpersonal skills for collaboration.
• Understand cybersecurity controls and anti-fraud strategies to protect information and systems, with familiarity in continuous improvement methodologies and design thinking techniques.
• 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, Skills and Capabilities:

• 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