Payment Lifecycle Associate II

JPMorgan Chase & Co.; Mumbai; On-site; INR 900,000 - 1,500,000; Full time

Job summary

JPMorgan Chase & Co. in Mumbai invites a Payment Lifecycle Associate II to lead a payments operations team, blending people leadership with deep payments operations expertise, systems architecture, and automation.

You will guide issue resolution, manage 24/7 capacity, collaborate with business, technology, and control teams, apply cybersecurity and anti-fraud strategies, and drive continuous improvement to scale efficiency and resilience.

Qualifications

• Demonstrated experience leading payments operations teams and understanding of global payment processing.
• Ability to perform root cause analysis and analytics projects with a proactive mindset.
• Comfort navigating dynamic priorities and complex product suites with a growth mindset.
• Proficient in data analysis and communicating insights to senior stakeholders.
• Knowledge of cybersecurity controls and anti-fraud strategies within payments.

Responsibilities

• Lead and manage a payments lifecycle operations team, including hiring support and coaching.
• Own SLA performance, accuracy, and client experience with a culture of accountability.
• Serve as senior escalation point for complex payment exceptions within policy and control standards.
• Strengthen the control environment across processes by identifying risks and remediation.
• Direct research and analysis for non-routine payment issues and ensure accurate fund transfers.
• Partner with stakeholders to manage end-to-end delivery and drive decisions.
• Lead process optimization initiatives to improve quality and customer experience.
• Apply systems architecture and automation to reduce manual touchpoints and improve resilience.
• Oversee troubleshooting of file transmission issues and document root-cause tracking.
• Ensure end-to-end case ownership and governance for inquiries via email and transfers.

Skills

Leadership

Payments operations

Team management

Problem solving

Data analysis

Cybersecurity controls

Automation

Stakeholder management

24/7 coverage planning

ISO/Swift knowledge

Job description

• Business Unit Commercial & Investment Bank
• Locations Nirlon Knowledge Park, Western Express Highway, Goregaon (East), Mumbai, IN-MH, 400063, IN
• Job Schedule Full time

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 combine people leadership with strong payments operations expertise and an understanding of systems architecture and automation to scale operational capability. You will drive issue resolution through structured triage and escalation, set priorities, manage capacity across a 24/7 operating model, and partner closely with internal lines of business, technology, and control functions. Your ability to apply cybersecurity controls, anti-fraud strategies, and data-driven performance management will be critical to sustaining a high-performing operation.

Job responsibilities

• Lead and manage a payments lifecycle operations team, including hiring support, onboarding, coaching, performance management, and talent development.
• Own operational outcomes(SLA performance, accuracy, exception rates, client/stakeholder experience) and drive a culture of accountability and continuous improvement.
• Serve as the senior escalation pointfor complex, high-impact, or time-sensitive payment exceptions; apply independent judgment to resolve issues within policy and control standards.
• Strengthen the control environmentacross technical, financial, and operational processes by identifying risks, driving remediation, and ensuring sustainable fixes.
• Direct research and analysisfor non-routine payment lifecycle issues; ensure accurate and timely fund transfers across various products, channels, and parties. Define and execute the team’s operational strategy and short-term goals, including prioritization of workflow, backlog management, and execution against business initiatives.
• Partner with stakeholders across lines of business, technology, and controlsto manage end-to-end delivery, communicate status, and drive timely decisions.
• Lead process optimization initiatives, including defining project requirements, success metrics, process models, and implementation plans that improve quality and customer experience.
• Apply systems architecture and automation knowledgeto influence enhancements, reduce manual touchpoints, and improve operational resilience and scalability.
• Oversee troubleshooting and resolutionof file transmission issues (rejected files, connectivity failures, security-related errors), ensuring proper documentation and root-cause tracking.
• Ensure end-to-end case ownership and governancefor inquiries received via email and internal transfers, including response quality, turnaround time, and stakeholder communication.

Monitor systems and transmission files, establishing appropriate routines, alerts, and controls to ensure stable operations.

Required qualifications, capabilities, and skills

• 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.
• Manage 24/7 coverage planning, including rotation schedules, weekend/holiday coverage, and location shift coverage betweenMumbai, Bangalore, and Tampato meet resiliency requirements.

Preferred qualifications, capabilities, and skills

• Knowledge of ISO or Swift message processing or management.

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.