Product Owner - Lending Operations - Associate

JPMorganChase; Bengaluru; On-site; INR 3,500,000 - 5,500,000; Full time

Job summary

JPMorganChase in Bengaluru seeks an Associate – Product Owner to drive AI-first transformation across end-to-end deal booking. You will lead product strategy for the lending lifecycle, prioritize the backlog, and work with engineering to modernize servicing.

Responsibilities include defining requirements, tracking metrics, and ensuring risk/compliance. The role emphasizes collaboration across business, operations, technology, and controls to deliver scalable capabilities.

Qualifications

• Bachelor's degree required with extensive product management or back-office/financial industry experience.
• Knowledge of product development lifecycle, data analytics, and value management.
• Experience writing technical stories using Jira/Confluence.
• Experience with senior stakeholder/dependency management.

Responsibilities

• Set product vision/strategy and shape roadmap through discovery.
• Own and refine backlog (epics/features/stories) aligned to priorities.
• Track success metrics across cost, functionality, risk, and reliability.
• Drive modernization of lending servicing with engineering partners.
• Deliver scalable capabilities across the lending lifecycle (credit, underwriting, closing, funding, servicing).
• Ensure requirements are clear, testable, and traceable.
• Align business, ops, tech, and controls on scope and trade-offs.
• Manage dependencies, risks, and decisions; communicate changes clearly.
• Ensure operational readiness and adherence to risk/controls standards.
• Lead QA/UAT and support go-live, hypercare, continuous improvement.

Skills

Product management

Stakeholder management

AI & automation

Data analytics

Jira/Confluence

Lending domain knowledge

Education

Bachelor's Degree

Tools

Loan IQ

ACBS

Job description

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:

• Bachelors 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

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.

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.