European Lending Product Director
As a Product Manager within JPMorganChase’s International Consumer Bank, you will shape the product strategy and roadmap for unsecured lending capabilities for EU expansion via a single platform and market-specific overlays (e.g., regulatory, disclosures, credit policy inputs, language/content, and operational variations). You will partner closely with engineering, design/content, controls, and market stakeholders to deliver scalable, cloud-native platform capabilities and seamless customer journeys through the full PDLC.
Key responsibilities You will be accountable for defining the strategy, shaping the roadmap, and delivering end-to-end capabilities for unsecured lending across EU expansion markets, using a core platform-and-overlays approach.
Define and drive the product strategy and roadmap, balancing the requirements of markets specific asks and single scalable platform across markets.
Ensure origination, repayments, servicing, and customer support and collections capabilities are designed for reuse across EU markets, in partnership with other teams.
Write requirements and acceptance criteria for prioritized products & features, collaborating with markets, design/content, platform and controls to ensure solutions are desirable, usable, feasible and viable.
Be accountable for product outcomes, prioritisation and end to end delivery, working with engineering, platform, design, controls, data, operations and market stakeholders
Engage with market stakeholders to drive product performance, defining product OKRs, identifying weaknesses and prioritising improvements based on customer and performance data.
Manage vendors and third-party dependencies where applicable, ensuring they meet SLAs while controlling costs.
Accountability for controls, ensuring that we continue to meet firmwide standards to manage risk and regulatory obligations.
Required qualifications, capabilities, and skills
The successful candidate will demonstrate the following.
European unsecured lending expertise, with deep experience in Personal Loans and other unsecured lending products including Credit Cards/Overdraft/BNPL/POS finance
Strong understanding of relevant European regulatory and conduct obligations for unsecured consumer lending products.
Experienced product manager with a track record of delivering against a product roadmap in a complex, cross-functional environment.
Strong product/platform acumen and experience partnering with engineering to build scalable, cloud-native services (API-led, microservices-oriented).
Proven leadership and stakeholder management at senior levels; able to explain decisions clearly, logically, empathetically but firmly.
Preferred qualifications
The following are advantageous.
Multi-market European launch/scale experience for unsecured lending products.
Data analysis and modelling expertise, translating customer/portfolio data into product insights and prioritisation.
Experience managing existing and new vendor contracts
Skills Required
- Deep European unsecured lending expertise, including personal loans and products such as credit cards, overdrafts, BNPL, or POS finance
- Strong understanding of European regulatory and conduct obligations for unsecured consumer lending
- Product management experience delivering against a roadmap in a complex, cross-functional environment
- Strong product and platform acumen, including experience partnering with engineering on scalable cloud-native, API-led, microservices-oriented services
- Proven leadership and senior stakeholder management skills
- Multi-market European launch or scaling experience for unsecured lending products
- Data analysis and modeling expertise applied to customer or portfolio insights and prioritization
- Experience managing existing and new vendor contracts
JPMorganChase Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about JPMorganChase and has not been reviewed or approved by JPMorganChase.
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Healthcare Strength — Medical, dental, vision, and mental-health coverage are broad, with wellness incentives, on-site or virtual care, and an EAP offering coaching and counseling. Plan materials emphasize accessible options, including multiple medical choices and tools to manage costs.
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Parental & Family Support — Paid parental leave extends up to 16 weeks for all parents, supplemented by paid Critical Caregiver Leave. Family resources include backup childcare via Bright Horizons, lactation support and milk-shipping, family-building assistance, and even a free five-month SNOO rental for newborns.
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Retirement Support — Retirement programs include a 401(k) with an annual company match and automatic pay credits for most employees, with a legacy pension available to earlier hires. An Employee Stock Purchase Plan at a 5% discount further supports long-term savings.
JPMorganChase Insights
What We Do
JPMorgan Chase & Co. (NYSE: JPM) is a leading global financial services firm with assets of $3.7 trillion and operations worldwide. The firm is a leader in investment banking, financial services for consumers and small businesses, commercial banking, financial transaction processing, and asset management. A component of the Dow Jones Industrial Average, JPMorgan Chase & Co. serves millions of consumers in the United States and many of the world’s most prominent corporate, institutional and government clients under its J.P. Morgan and Chase brands. Technology fuels every aspect of our company and is at the heart of everything we do. With over 50,000 technologists globally and an annual tech spend of $12 billion, we are dedicated to improving the design, analytics, development, coding, testing and application programming that goes into creating high quality software and new products. Learn more about technology at our firm, explore resources from our Distinguished Engineers, AI & ML researchers, and other experts; access the latest episode of our TechTrends podcast, and more at www.jpmorgan.com/technology. Information about JPMorgan Chase & Co. is available at www.jpmorganchase.com. ©2023 JPMorgan Chase & Co. All rights reserved. JPMorgan Chase is an Equal Opportunity Employer, including Disability/Veterans.
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Our technologists work on a diverse range of solutions that include strategic technology initiatives, big data, mobile, electronic payments, machine learning, cybersecurity, enterprise cloud development, and other state-of-the-art technologies.
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