Product Delivery Associate- Real-Time Payments

JPMorganChase; Bengaluru; On-site; INR 2,500,000 - 4,500,000; Full time

Job summary

JPMorganChase is evolving its Payments Operations with a Cash Operations & Transformation team to support Real Time Payments, Push2Card and Push2Wallet, driving operational excellence and faster delivery.

As a Senior Product Delivery Associate, you will partner with Operations, Sales, Product and Tech to define requirements, build scalable payment products and ensure stable, timely execution across geographies.

Qualifications

• 6+ years in a financial services payments delivery role, with direct RTP experience.
• Self-starter with strong execution discipline and stakeholder management.
• Ability to build trusted relationships and influence cross-functional teams.
• Proficient in using AI tools to improve processes and identify automation opportunities.
• Collaborative team player who shares knowledge to improve ways of working.
• Strong understanding of end-to-end payment processing, risk and controls.
• Structured problem-solver with attention to detail.
• Proficiency in JIRA, Excel, PowerPoint and process-mapping tools.

Responsibilities

• Deliver scalable, resilient Real-Time Payments capabilities with Operations, Product and Technology.
• Lead requirements discovery and translate business needs into functional flows and acceptance criteria.
• Document end-to-end payment journeys, core processing and exception scenarios.
• Assess impacts and design future-state processes, operating models, ownership and controls.
• Identify risks across operations, regulation, fraud, sanctions, liquidity and reconciliation.
• Develop and review testing scenarios with cross-functional teams aligned to regional processes.
• Drive readiness, planning and go-live support for implementations.
• Facilitate workshops and communicate decisions, risks and dependencies.
• Maintain program artifacts, milestones and RAID logs while surfacing blockers.

Skills

RTP schemes

Execution discipline

Stakeholder management

AI tools

Collaborative team player

End-to-end payments knowledge

Problem solving

Tools

JIRA

Excel

PowerPoint

Process mapping tools

Job description

Job Description

Building on the vision and structure of our Payments business, the Payments Operations organization is evolving its operating model. The newly created Cash Operations & Transformation team has been established to support key existing products and new product offerings, such as Real Time Payments, Digital Payments – Push2Card, Push2Wallet etc.. With the focus of simplifying and standardizing operational services, enhance client experience and accelerate delivery of operational excellence. You will build strong cross-functional relationships with Operations, Product, Finance and Technology to define requirements and support the delivery and adoption of new digital payment products.

Building on the vision and structure of our Payments business, the Payments Operations organization is evolving its operating model. The newly created Cash Operations & Transformation team has been established to support key existing products and new product offerings, such as Real Time Payments, Digital Payments – Push2Card, Push2Wallet etc.. With the focus of simplifying and standardizing operational services, enhance client experience and accelerate delivery of operational excellence. You will build strong cross-functional relationships with Operations, Product, Finance and Technology to define requirements and support the delivery and adoption of new digital payment products.

As a Senior Product Delivery Associate in Payment Operations, you are trusted with enabling the delivery of products in a stable and scalable way, and you will partner with Operations, Sales, Product, Client Service & Implementations, and Technology in developing the build out and adoption of new, e-commerce products.

Job Responsibilities

• Work closely with Operations, Product and Technology to deliver scalable, resilient and operationally ready Real-Time Payments capabilities.
• Lead requirements discovery and translate business needs into functional process flows, use cases, acceptance criteria and traceable delivery requirements in JIRA.
• Run daily POD calls and document end-to-end payment journeys, core processing and exception scenarios.
• Assess operational impacts and design future-state processes, Target Operating Models, ownership, controls, service hand-offs and escalation paths.
• Identify operational, regulatory, fraud, sanctions, liquidity, accounting and reconciliation risks and define sustainable controls and mitigations.
• Develop and review testing scenarios with Operations, Product and Technology, in line with regional processes.
• Drive operational readiness, implementation planning and go-live support.
• Facilitate workshops, resolve requirements gaps and communicate decisions, risks, dependencies and delivery status, while identifying opportunities to automate and improve straight-through processing, utilising AI.
• Maintain program execution artifacts including deliverables, milestones and RAID logs; surface risks, blockers and dependency needs.

Required Qualifications, Capabilities And Skills

• 6+ years' experience in a financial services payments delivery role, with direct experience of RTP schemes.
• Self-starter with strong execution discipline and stakeholder management experience.
• Ability to build trusted relationships, influence decisions, challenge and align cross-functional teams.
• Proficient in using AI tools to improve processes, increase efficiency and identify automation opportunities.
• Collaborative team player who shares knowledge to continuously improve ways of working.
• Strong understanding of end-to-end payment processing, operational risk and controls.
• Structured problem-solver with attention to detail.
• Proficiency in JIRA, Excel, PowerPoint and process-mapping tools.

Preferred Qualifications, Capabilities And Skills

• Knowledge of ISO 20022 messaging and payment flows, including initiation, status, returns, investigations, reconciliation and reporting.
• Experience with APIs, webhooks, host-to-host files, digital payment platforms, sanctions, fraud, transaction limits, liquidity, reconciliations and exception processing.
• Experience in Corporate and Investment Bank operations, process automation and transformation, with familiarity of Monday.com, Alteryx, Tableau and responsible AI-assisted analysis.

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.