Product Owner - Lending operations - Associate

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

Job summary

JPMorgan Chase & Co. in Bengaluru seeks an Associate - Product Owner to drive AI-first transformation across end-to-end deal booking within the Digital & Platform Services team.

The role focuses on leveraging AI and intelligent automation to streamline the lending lifecycle, improve accuracy, and accelerate business performance, partnering with business and engineering teams to deliver scalable capabilities.

Qualifications

• Bachelor's Degree with minimum 8 years’ experience in product management or relevant domain.
• Advanced knowledge of the product development life cycle, design, and data analytics.
• Proven ability to lead product life cycle activities including discovery, ideation, strategic development, requirements definition, and value management.
• Demonstrated prior experience of senior stakeholder / dependency management.
• Knowledge of technology standards, industry trends, and emerging technologies, including artificial intelligence.

Responsibilities

• Set product vision/strategy and shape the roadmap through discovery (interviews, process deep-dives, data/controls analysis).
• Own and refine the backlog (epics/features/stories) aligned to priorities and measurable outcomes.
• Track success metrics across cost, functionality, risk posture, and reliability to drive decisions.
• Drive modernization of commercial lending servicing with engineering partners.
• Deliver scalable capabilities across the lending lifecycle (credit, underwriting, closing, funding and servicing).
• Ensure requirements are clear, testable, and traceable - avoiding one-off solutions.
• Align business, ops, tech, and controls on scope, sequencing, and trade-offs.
• Manage dependencies, risks, and decisions; communicate changes clearly.
• Lead QA/UAT and support go-live, hypercare, and continuous improvement using feedback and outcomes.
• Identify productivity/efficiency/control improvements via redesign, digitization, and automation and use personas/UX inputs to keep decisions user-centric.

Skills

Product management

Stakeholder management

Data analytics

Agile methodologies

Education

Bachelor's Degree

Tools

Jira

Confluence

Job description

Are you looking for an exciting opportunity to join a dynamic and growing team in a fast-paced and challenging area? This is a unique opportunity to work in the Product Management team, partnering with the Business to drive AI-first transformation across end-to-end deal booking.

As an Associate - Product Owner in the Digital & Platform Services team, you will play a key role in leveraging AI and intelligent automation to streamline the end-to-end booking lifecycle - reducing manual touchpoints, accelerating accuracy, and driving business performance. The role requires strong domain understanding of lending operations and the end-to-end loan lifecycle, with a focus on how AI and automation enhance workflows across origination, booking, and servicing. Working knowledge of vendor platforms such as Finastra Loan IQ, FIS ACBS, and other market-leading lending systems is essential.

Job Responsibilities:

• Set product vision/strategy and shape the roadmap through discovery (interviews, process deep-dives, data/controls analysis).

• Own and refine the backlog (epics/features/stories) aligned to priorities and measurable outcomes.

• Track success metrics across cost, functionality, risk posture, and reliability to drive decisions.

• Drive simplification/modernization of commercial lending servicing with engineering partners.

• Deliver scalable capabilities across the lending lifecycle (credit, underwriting, closing, funding and servicing).

• Ensure requirements are clear, testable, and traceable - avoiding one-off solutions.

• Align business, ops, tech, and controls on scope, sequencing, and trade-offs.

• Manage dependencies, risks, and decisions; communicate changes clearly.

• Ensure operational readiness and adherence to risk/control and quality standards.

• Lead QA/UAT and support go-live, hypercare, and continuous improvement using feedback and outcomes.

• Identify productivity/efficiency/control improvements via redesign, digitization, and automation and Use personas/UX inputs to keep decisions user-centric.

Required qualifications, capabilities and skills:

• Bachelor's Degree with minimum 8 years’ experience including minimum of 5 years of experience or equivalent expertise in product management or a relevant domain area, for commercial lending or experience in a Back office/Financial industry
• Advanced knowledge of the product development life cycle, design, and data analytics
• Proven ability to lead product life cycle activities including discovery, ideation, strategic development, requirements definition, and value management
• Demonstrated prior experience of senior stakeholder / dependency management
• Knowledge of technology standards, industry trends, and emerging technologies, including artificial intelligence.
• Experience writing technical stories using industry-standard tools and notations (e.g., Jira/Confluence)

Preferred qualifications, capabilities and skills:

• Candidates with knowledge of loan systems like Loan IQ, ACBS will be an added advantage

• Demonstrated experience applying AI and automation to transform operational workflows

• Knowledge of lending products, credit documentation, and end-to-end loan lifecycle processes

• Solid understanding of project management and business analysis techniques

• Strong communication and stakeholder management skills- able to translate between business and technology audiences with clarity

• Commercial awareness with a genuine interest in business development and how technology drives value