Senior Product Associate, Card Benefits Experience

J.P. Morgan; New York (NY); On-site; USD 110,000 - 150,000; Full time

Job summary

J.P. Morgan is seeking a Senior Product Associate to shape benefits experiences for cardmembers, translating insights into clear requirements and managing roadmaps across digital journeys.

You will partner with design, engineering, analytics, marketing, servicing, legal, risk, and controls to deliver features that enhance discovery, activation, and engagement. The role emphasizes data-driven prioritization, backlog ownership, and collaboration within a matrixed organization to improve customer

Qualifications

• 3 years of product management experience in credit cards, digital banking, financial services, or FinTech.
• Strong understanding of the digital product lifecycle from discovery to iteration.
• Experience writing BRDs, user stories, and maintaining backlogs in Agile teams.
• Excellent written and verbal communication; ability to influence across a matrixed org.
• Bachelor's degree or equivalent practical experience.

Responsibilities

• Support the development of product strategy and roadmap priorities that deliver customer and business value, keeping digital benefits experiences at the leading edge.
• Lead discovery efforts, including market research, customer insights, and competitive analysis to uncover problems and opportunities across benefits discovery, activation, and engagement.
• Own, maintain, and develop components of the product backlog, ensuring requirements and user stories are clearly defined and aligned to the strategic roadmap.
• Collaborate with design, engineering, research, analytics, marketing, servicing, legal, risk, and controls partners to deliver new features and optimize existing digital benefits experiences.
• Integrate product metrics, data analytics, user research, customer insights, and competitive benchmarks to prioritize initiatives and evaluate results.
• Identify and champion opportunities to improve customer satisfaction, engagement, personalization, self-service, and consistency across digital channels.
• Define and communicate product priorities, tradeoffs, customer benefits, business value, and delivery impacts across stakeholder groups.
• Author business requirements, define user stories, support agile delivery routines, and bring together cross-functional partners to execute within an Agile framework.
• Synthesize complex topics and prepare clear stakeholder updates, recommendations, and communications to manage business expectations effectively.
• Operate within a risk-based framework by identifying, assessing, and mitigating operational, technology, legal, compliance, privacy, and controls considerations across the product lifecycle.

Skills

Product management

Agile / Scrum

Roadmap planning

Backlog management

Cross-functional collaboration

Data-driven decision making

Education

Bachelor's degree

Tools

Jira Align

Lucid

Jira

Job description

Join a team redefining how cardmembers discover, understand, and maximize the value of their credit card benefits. You'll work at the intersection of customer experience, data, and digital innovation - building personalized, scalable journeys that create real value for customers and the business.

As a Senior Product Associate on the Benefits Experience team, you will help shape and execute customer-centric benefits experiences that make it easier for cardmembers to discover, understand, activate, and use their benefits. You will support the product roadmap across key customer journeys, partner with cross-functional teams, and translate customer, business, and operational needs into clear product requirements and measurable outcomes.

Job responsibilities

• Support the development of product strategy and roadmap priorities that deliver customer and business value, keeping digital benefits experiences at the leading edge.
• Lead discovery efforts, including market research, customer insights, and competitive analysis to uncover problems and opportunities across benefits discovery, activation, and engagement.
• Own, maintain, and develop components of the product backlog, ensuring requirements and user stories are clearly defined and aligned to the strategic roadmap.
• Collaborate with design, engineering, research, analytics, marketing, servicing, legal, risk, and controls partners to deliver new features and optimize existing digital benefits experiences.
• Integrate product metrics, data analytics, user research, customer insights, and competitive benchmarks to prioritize initiatives and evaluate results.
• Identify and champion opportunities to improve customer satisfaction, engagement, personalization, self-service, and consistency across digital channels.
• Define and communicate product priorities, tradeoffs, customer benefits, business value, and delivery impacts across stakeholder groups.
• Author business requirements, define user stories, support agile delivery routines, and bring together cross-functional partners to execute within an Agile framework.
• Synthesize complex topics and prepare clear stakeholder updates, recommendations, and communications to manage business expectations effectively.
• Operate within a risk-based framework by identifying, assessing, and mitigating operational, technology, legal, compliance, privacy, and controls considerations across the product lifecycle.

Required qualifications, capabilities, and skills

• 3 years of product management experience in credit cards, digital banking, financial services, or FinTech.
• Strong understanding of the digital product lifecycle, including discovery, ideation, requirements definition, delivery, measurement, and iteration.
• Experience defining product roadmaps, prioritizing backlogs, and translating business and customer needs into clear requirements and user stories.
• Demonstrated experience authoring business requirements, writing user stories, and supporting execution across cross-functional teams within an Agile framework.
• Experience collaborating with UX design, research, engineering, analytics, and business partners to deliver customer-facing digital experiences.
• Strong analytical orientation, including the ability to use product metrics, customer insights, funnel analysis, and KPIs to inform prioritization and evaluate results.
• Excellent written and verbal communication skills, with the ability to clearly convey product value, roadmap priorities, requirements, tradeoffs, and recommendations to stakeholders.
• Ability to operate in a complex, matrixed organization and collaborate across teams and functions to drive outcomes.
• Bachelor's degree or equivalent practical experience.

Preferred qualifications, capabilities, and skills

• Experience in consumer credit cards, loyalty, offers, rewards, or benefits platforms.
• Familiarity with benefits ecosystems, including eligibility, fulfillment, partner dependencies, and customer-facing servicing implications.
• Experience with personalization or decisioning systems, including segmentation, targeting, content rules, and measurement.
• Experience using experimentation and iterative delivery to optimize customer experiences.
• Familiarity with Agile and collaboration tools such as Jira Align and Lucid.
• Experience aligning multiple teams against shared platforms, APIs, reusable components, and scalable operating models in a large organization.
• Demonstrated ability to develop creative approaches for team engagement and cross-functional collaboration.

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.

Chase is a leading financial services firm, helping nearly half of America's households and small businesses achieve their financial goals through a broad range of financial products. Our mission is to create engaged, lifelong relationships and put our customers at the heart of everything we do. We also help small businesses, nonprofits and cities grow, delivering solutions to solve all their financial needs.

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.

Equal Opportunity Employer/Disability/Veterans

Our Consumer & Community Banking division serves our Chase customers through a range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. We're proud to lead the U.S. in credit card sales and deposit growth and have the most-used digital solutions - all while ranking first in customer satisfaction.

We offer a broad array of credit cards to meet the needs of individuals and small businesses, including Chase-branded and co-branded cards in partnership with well-known companies and organizations. Merchant Services is a leading provider of payment, fraud and data security for companies, capable of authorizing transactions across global currencies.

Shape the future of digital card benefits for millions of customers.