Payments XDLC Transformation- Senior Product Associate

Aumni; Jersey City (NJ); On-site; USD 110,000 - 160,000; Full time

Job summary

JPMorgan Chase & Co. is seeking a Senior Product Associate to drive development and optimization within Payments XDLC Transformation. Leverage user research and feedback to fuel innovative products, while shaping a scalable operating model across PDLC and SDLC with AI-enabled insights.

You will partner with product, engineering, design, risk, controls, and firmwide AI stakeholders, gaining broad exposure to Payments product lines and transformation initiatives.

Qualifications

• 3+ years of product management or transformation experience.
• Knowledge of the product lifecycle: discovery, requirements, backlog, launch.
• Experience in data analytics and data literacy.
• Hands-on with AI tools in day-to-day work.
• Ability to operate with ambiguity on a small, cross-functional team.

Responsibilities

• Identify product opportunities via user research and discovery.
• Plan upstream and downstream implications of new features on the product experience.
• Collect user research, map journeys, and analyze markets for strategic roadmaps.
• Analyze, track, and evaluate product metrics across the lifecycle.
• Write requirements, epics, and user stories to support development.
• Help build the PDLC operating model and governance architecture.
• Support launch and enablement of cross-functional pilot pods with onboarding materials.
• Apply AI and analytics tools to derive insights and inform recommendations.
• Collaborate with stakeholders to improve the XDLC operating model.
• Work with risk and controls to translate safeguards into standards.

Skills

Product management

Discovery & requirements

Data analytics

AI tools

Cross-functional collaboration

Communication

Education

Undergraduate degree

Tools

Claude

GitHub Copilot

Microsoft Copilot

Excel

BI tools

Job description

Unleash your expertise in product development and optimization by leveraging user research, analyzing metrics, and collaborating across one of the world’s most innovative financial organizations.

As a Senior Product Associate on the Payments XDLC Transformation team, you contribute to the team by leveraging your expertise in product development and optimization to make a significant impact, supported by user research and customer feedback to fuel the creation of innovative products and continuously improve existing offerings. You will help launch and support cross-functional pilot Pods, use AI and analytical tools to derive insights from how Payments teams actually work, and translate those insights into the new target operating model for the Payments PDLC. You will partner closely with product, engineering, design, risk, controls, and firmwide AI stakeholders, and gain broad exposure across the Payments’ product lines while developing deep transformation experience.

Payments XDLC Transformation is a Payments-wide initiative to establish a predictable, scalable, and auditable product delivery operating model by embedding AI / agentic tools and updated ways of working across a common lifecycle.
The program scope spans both the Product Development Lifecycle (PDLC) and the Software Development Lifecycle (SDLC) for all of JPMC’s Payments business.

Job responsibilities

• Partners with the Product Manager to identify new product opportunities that reflect the needs of our customers and the market through user research and discovery
• Considers and plans for upstream and downstream implications of new product features on the overall product experience
• Supports the collection of user research, journey mapping, and market analysis to inform the strategic product roadmap and provide insight on potential product features that provide value to customers
• Analyzes, tracks, and evaluates product metrics including work to time, cost, and quality targets across the product development life cycle
• Writes the requirements, epics, and user stories to support product development
• Help build out the new target operating model for the Payments PDLC—defining lifecycle stages, roles and decision rights (human + agent), governance / RACI, and how work flows across PDLC and SDLC from ideation through production support
• Support launch and ongoing enablement of cross-functional pilot pods, including onboarding materials, office hours, and feedback loops that generate adoption and learnings
• Apply AI and analytical tools (e.g., Claude, GitHub Copilot, Microsoft Copilot, Excel / BI tools) to derive insights from pod activity, lifecycle telemetry, and practitioner feedback—and turn those insights into recommendations that shape the operating model
• Partner with key stakeholders to identify opportunities to improve the Payments XDLC operating model and ways of working, surfacing them through user research, discovery, and engagement with pilot Pods and firmwide stakeholders
• Collaborate with risk, controls, and compliance partners to translate “built-in” controls (e.g., automated evidence, standardized guardrails) into operating-model and lifecycle standards that improve auditability and reduce operational risk

Required qualifications, capabilities, and skills

• 3+ years of experience or equivalent expertise in product management or a relevant domain area (e.g., technology transformation, change management, developer experience, operating-model work)
• Proficient knowledge of the product development life cycle: including discovery, requirements definition, backlog management, and launch
• Experience in product life cycle activities including discovery and requirements definition
• Developing knowledge of data analytics and data literacy
• Hands-on experimenter with AI tools and agentic systems (e.g., Claude, GitHub Copilot, Microsoft Copilot) in day-to-day work
• Independent, “go-getter” orientation—comfortable operating with ambiguity on a small team and driving work forward with minimal direction
• Strong written and verbal communication skills, with the ability to translate technical concepts for both technical and non-technical audiences
• Ability to work both independently and collaboratively across a highly matrixed, cross-functional team

Preferred qualifications, capabilities, and skills

• Working knowledge of modern agile product delivery models and software development practices (e.g., Scrum, SAFe, DevOps, CI/CD) across the PDLC and SDLC
• Exposure to change management or transformation programs, including stakeholder engagement, communications, and adoption measurement
• Experience partnering with engineering, design, and risk / controls partners in a regulated environment
• Undergraduate degree in a relevant discipline (e.g., Economics, Finance, Computer Science, Engineering, or related field)

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 offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.

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.

JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans

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. Promote innovation in product development, user research, and analysis to shape and optimize our offerings