Senior Associate - Zelle Expansion

J.P. Morgan Chase & Co.; New York (NY); On-site; USD 140,000 - 190,000; Full time

Job summary

JP Morgan Chase is seeking an experienced Product Manager to lead the Zelle Expansion—a 0-to-1 effort bringing bank-direct, real-time payments to commerce environments such as ecommerce and POS. You will shape product strategy, define roadmaps, and coordinate with engineering, design, risk, and external partners to deliver secure, scalable payment experiences.

You will translate strategy into customer journeys, metrics, and initiatives that drive adoption and competitive advantage in the payment

Qualifications

• Minimum 5+ years of product management experience.
• Experience building and launching digital payments products.
• Experience in commerce payments, including merchant acceptance for e-commerce and POS.
• Translate complex problems into clear requirements and roadmaps.
• Experience with cross-functional teams (engineering, design, data).
• Familiarity with risk, fraud considerations, and control requirements.

Responsibilities

• Define product vision, strategy, and roadmap for expanding Zelle into commerce use cases.
• Identify customer segments, journeys, and priority use cases; translate into requirements.
• Design end-to-end checkout and payment experiences balancing speed, security, usability, and trust.
• Collaborate with engineering and design to deliver APIs and platform features enabling merchant acceptance.
• Define data needs, instrumentation, and success metrics; prioritize improvements.
• Coordinate with risk, compliance, and operations to ensure appropriate controls.
• Lead AI-enabled execution from discovery through launch, pilot planning, and rollout.

Skills

PM experience

Digital payments

Commerce payments

Roadmapping

Cross-functional

Stakeholder management

AI-enabled products

APIs

Platform integrations

Tools

APIs

Platform integrations

Job description

We are looking for an experienced Product Manager to join a team expanding Zelle beyond P2P payments—a groundbreaking pay-by-bank payment method that will enable merchants and banks to offer customers instant, secure account transfers, bill payments and checkout powered by the Zelle network and real-time payment rails. This is a 0-to-1 product build that will bring Zelle to new environments, challenging traditional card and payment networks with a superior, bank-direct alternative. The ideal candidate brings deep expertise in commerce payments—including e-commerce, point-of-sale, and merchant payment acceptance—and thrives at the intersection of product strategy, network design, and customer experience. You will help define the data, features, and user experiences unique to commerce use cases. If you want to shape the future of how America pays and moves money, this is the role.

As a Product Manager in Chase Banking Payments on the Zelle Expansion team you will define and deliver new payment experiences that expand Zelle beyond person-to-person payments. You will partner across product, engineering, design, operations, risk, and external stakeholders to create a bank-direct payment method that supports account transfers, e-commerce, point-of-sale (POS), and bill payment experiences. You will translate strategy into clear roadmaps, customer journeys, and measurable outcomes.

Job responsibilities

• Define the product vision, strategy, and roadmap to expand Zelle into commerce payment use cases (e-commerce, POS), while supporting strategy and execution for bill payment use cases
• Identify target customer segments, key user journeys, and priority use cases, and translate them into clear product requirements
• Design end-to-end checkout and payment experiences that balance speed, security, usability, and trust
• Partner with engineering and design to deliver scalable capabilities (APIs, integrations, and platform features) that enable merchant acceptance
• Develop network and ecosystem requirements in collaboration with participating banks and external partners
• Define product data needs, instrumentation, and success metrics; use insights to prioritize improvements and drive adoption
• Coordinate with risk, compliance, and operational teams to ensure the product is delivered with appropriate controls and customer protections
• Lead AI-enabled cross-functional execution from discovery through launch, including pilot planning, rollout readiness, and post-launch iteration
• Communicate decisions, trade-offs, and progress clearly to stakeholders and senior leaders
• Drive new operating models for an AI-first product development lifecycle

Required qualifications, capabilities and skills

• Minimum 5+ years of product management experience required for this role
• Experience building and launching digital payments products, including customer-facing experiences and supporting platform capabilities
• Experience in commerce payments, including merchant acceptance for e-commerce and/or point-of-sale (POS)
• Demonstrated ability to translate complex problems into clear requirements, roadmaps, and prioritization decisions
• Experience partnering with engineering, design, and data teams to deliver products from discovery through launch
• Ability to align diverse stakeholders and drive execution in a cross-functional environment
• Familiarity with payment risk, fraud considerations, and control requirements for commerce transactions
• Familiarity with language models, and applications within product management

Preferred qualifications, capabilities and skills

• Experience building pay-by-bank, account-to-account, or real-time payments solutions
• Experience with merchant integrations, checkout optimization, and payment acceptance journeys
• Familiarity with bank network models, ecosystem incentives, and multi-party product design
• Experience launching 0-to-1 products or new platforms in a regulated environment
• Experience working with payment rails and settlement concepts across bank-direct transfers

Applicants must be authorized to work for any employer in the US. We are not able to provide immigration sponsorship or take over sponsorship of an employment visa at this time. Final job grade level and corporate title will be determined at time of offer and may differ from this posting.