Senior Product Delivery Associate - Real-Time Payments

JP Morgan Services India Pvt Ltd; Bengaluru; On-site; INR 1,500,000 - 2,100,000; Full time

Job summary

JP Morgan Services India Pvt Ltd is seeking a Product Delivery Associate for Real-Time Payments within Payments Operations. You will partner with Operations, Product, Finance and Tech to design and deliver scalable RTP capabilities, driving adoption and operational excellence across the business.

You will lead requirements, map end-to-end flows, assess risks and define controls, while coordinating testing, go-live support and stakeholder communications to ensure smooth delivery in a complex

Qualifications

• 6+ years in financial services payments delivery with RTP schemes.
• 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, operational risk and controls.
• Structured problem-solver with attention to detail.
• Proficiency in JIRA, Excel and process-mapping tools.

Responsibilities

• Work with Operations, Product and Technology to deliver scalable Real-Time Payments capabilities.
• 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 operational impacts and design future-state processes and operating models.
• Identify risks and define sustainable controls and mitigations.
• Develop and review testing scenarios with Operations, Product and Technology.
• Drive readiness, implementation planning and go-live support.
• Facilitate workshops and communicate decisions, risks and status, exploring automation opportunities.

Skills

RTP payments

Stakeholder mgmt

AI tooling

Process mapping

JIRA

Excel

Cross-functional

Risk & controls

Tools

Monday.com

Alteryx

Tableau

Job description

Product Delivery Associate– Real-Time Payments 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.