Senior Product Associate MORTGAGE

JPMorganChase; Bengaluru; On-site; INR 2,500,000 - 3,800,000; Full time

Job summary

JPMorganChase in Bengaluru is seeking a Product Owner for the Mortgage AI/ML Team to drive end-to-end delivery of AI-enabled features across the mortgage lifecycle. You will translate business needs into high-quality user stories, manage the product backlog, and collaborate with leadership, operations, compliance, and technology to ensure regulatory alignment and scalable solutions.

The role demands strong stakeholder management, agile practices, and hands-on experience in US mortgage processes,

Qualifications

• Proven ability to elicit requirements and design end-to-end solutions in cross-functional settings.
• Experience translating business needs into AI-enabled product requirements and user stories.
• Strong knowledge of Agile/Scrum practices and backlog management.

Responsibilities

• Elicit, analyze, and validate business requirements ensuring alignment to objectives and regulatory obligations.
• Own and refine the product backlog with clear priorities based on impact and risk.
• Identify AI/ML/GenAI use cases across the mortgage lifecycle and translate to measurable outcomes.
• Define AI-enabled feature requirements including data needs, training, prompts, and guardrails.
• Translate requirements into high-quality user stories and acceptance criteria; define DoR/DoD.
• Lead story mapping, process modeling, and end-to-end workflow design.
• Drive data and integration requirements across mortgage platforms and reporting needs.
• Collaborate with data engineering for production deployment, monitoring, and model governance.
• Establish AI evaluation criteria accounting for drift, bias, and explainability.
• Represent end users during design, UAT, and release readiness; coordinate testing and defects.
• Facilitate workshops to drive adoption and standardize processes.

Skills

Product ownership

Business analysis

Agile/Scrum

Stakeholder management

Data-driven decisioning

Requirements elicitation

Tools

JIRA

Confluence

Visio

Lucidchart

Excel

PowerPoint

Job description

Job Description

Shape the future of lending by translating business needs into actionable technology solutions. Collaborate with cross-functional experts to deliver impactful, compliant, and scalable products.

As a Product Owner within the Mortgage AI/ML Team, you drive the end-to-end delivery of AI-enabled features across the mortgage lifecycle.

You partner with leadership, operations, compliance, and technology to ensure requirements align with strategic objectives and regulatory standards.

You own the product backlog, prioritize impactful use cases, and translate business needs into high-quality user stories for implementation.

Job Responsibilities

• Partner with mortgage leadership, operations, compliance, risk, and technology to elicit, analyze, and validate business requirements, ensuring alignment to strategic objectives and regulatory obligations.
• Own and continuously refine the product backlog, establishing clear priorities based on customer impact, risk reduction, and operational efficiency while actively managing scope, dependencies, and trade-offs.
• Identify, size, and prioritize AI/ML/GenAI use cases across the mortgage lifecycle, aligning them to measurable business outcomes such as reduced cycle time and improved customer experience.
• Define AI-enabled feature requirements, including data needs, training and inference dependencies, prompt and context inputs, human-in-the-loop workflows, fallbacks, and regulatory guardrails.
• Translate requirements into high-quality user stories and acceptance criteria, ensuring clarity, testability, and readiness for implementation; define Definition of Ready/Done standards with delivery teams.
• Lead story mapping, process modeling, and end-to-end workflow design across key mortgage functions to ensure seamless delivery.
• Drive data and integration requirements for mortgage platforms, including LOS, PPE, document/eClose, servicing systems, customer portals, workflow/orchestration, and downstream reporting/analytics, ensuring data lineage and control points.
• Collaborate with data engineering teams to deliver AI capabilities into production, including deployment planning, monitoring, retraining triggers, model/version management, incident response, and rollback strategies.
• Establish AI evaluation and acceptance criteria that account for probabilistic outputs, including quality thresholds, drift detection, bias and fair lending risk, and explainability expectations.
• Represent end users throughout solution design, sprint execution, and release readiness; coordinate and support User Acceptance Testing (UAT), triage defects, validate outcomes, and ensure operational readiness.
• Facilitate cross-functional workshops and training to drive adoption, standardize processes, and enhance business and technology understanding of new capabilities.

Required qualifications, capabilities and skills

• 7+ years of experience in product ownership, business analysis, or technology delivery with demonstrated strength in requirements elicitation, solution design, and end-to-end execution in complex, cross-functional environments.
• 3+ years of hands‑on experience in the US Mortgage/Lending domain with working knowledge of core processes, terminology, and operating models.
• Strong analytical and documentation skills, including process mapping, business rule definition, and data‑driven decisioning.
• Proven stakeholder management capabilities, including senior‑level communication, facilitation, conflict resolution, and decision framing with clear options and trade‑offs.
• Proficiency with Microsoft Office tools (especially Excel and PowerPoint) and delivery tooling such as JIRA, Confluence, and VISIO/LUCID (or equivalent).
• Strong understanding of Agile/Scrum practices, including story mapping, backlog management, sprint planning, refinement, demos, retrospectives, and release planning.
• Self‑starter with high ownership, sound judgment, and the ability to deliver results in a fast‑paced, highly regulated environment.
• Demonstrated AI product development fluency as a Product Owner, including experience delivering AI‑enabled product features or partnering closely with data science and ML engineering teams, comfort translating business problems into AI‑suitable requirements, and familiarity with model evaluation concepts and ongoing monitoring considerations in production (e.g., accuracy/quality, drift, and operational performance).

Preferred qualifications, capabilities and skills

• Deep end‑to‑end US mortgage expertise spanning origination, underwriting, closing/funding.
• Strong understanding of US mortgage products.
• Working knowledge of key US mortgage regulations and control expectations, with the ability to operationalize them into product requirements (e.g., TRID, RESPA, TILA, ECOA, HMDA, FCRA, SAFE Act, AML/BSA considerations, state‑specific requirements).
• Experience with GenAI and LLM‑powered workflow augmentation in enterprise settings (e.g., summarization, classification, search, chat, document understanding, and knowledge retrieval) with appropriate business and operational controls.
• Understanding of responsible AI practices in regulated lending contexts, including bias and fair lending risk considerations, privacy and security expectations, governance, auditability, and explainability requirements where applicable.

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 Asset & Wealth Management delivers industry‑leading investment management and private banking solutions. Asset Management provides individuals, advisors and institutions with strategies and expertise that span the full spectrum of asset classes through our global network of investment professionals. Wealth Management helps individuals, families and foundations take a more intentional approach to their wealth or finances to better define, focus and realize their goals.