Be at the heart of modernizing how businesses get priced, billed, and paid on a large-scale payment processing platform. Bring your expertise in product delivery and analytics to translate complex financial flows into clear, buildable solutions that improve accuracy and client outcomes. Join a team with strong mobility and growth opportunities while partnering closely with engineering, finance, and operations stakeholders.
As a Sr. Product Associate at JPMorgan Chase within Commercial and Investment Bank's Merchant Services unit, you will support product design and delivery for a payments monetization and settlement platform. You will translate pricing and accounting requirements into clear product documentation and executable delivery plans. You will partner with engineering teams and downstream finance and reconciliation stakeholders to improve configuration accuracy, reduce discrepancies, and strengthen funding outcomes. You will develop deep knowledge across pricing, service configuration, sub-ledger accounting outputs, and allocation rules to support end-to-end payout lifecycle capabilities.
This role focuses on the configuration and product logic that connects merchant setup to fee calculation and payout outcomes. You will help define how pricing and service configuration changes are requested, validated, tested, and released to production. You will contribute to sub-ledger posting outputs and reconciliation readiness by documenting acceptance criteria and supporting test execution with finance partners. You will also support allocation rule enhancements to reflect new merchant types, currencies, partners, and payment rails as the platform evolves.
Job Responsibilities
- Define clear user stories, acceptance criteria, and functional specifications for pricing, service configuration, sub-ledger outputs, and allocation rule changes.
- Partner with engineering teams to refine requirements into buildable scope, sequencing, and testable outcomes across sprints.
- Translate pricing decisions and regional or segment needs into product specifications that drive accurate fee calculation and funding results.
- Validate configuration accuracy and support root-cause analysis for fee discrepancies by tracing setup, pricing, and funding logic across systems.
- Specify sub-ledger posting requirements, including posting types, journal entry expectations, and daily reconciliation outputs, to support downstream finance processes.
- Collaborate with reconciliation stakeholders to confirm outputs meet operational requirements and to resolve gaps identified during testing and close cycles.
- Document service configuration dependencies and impacts when pricing, allocation, or payout logic changes are proposed or delivered.
- Coordinate intake, validation, and publication of service configuration changes through established tooling and release processes.
- Analyze product and operational data to inform prioritization, identify defects or breakpoints, and substantiate product decisions.
Required qualifications, capabilities and skills
- Bachelor’s degree in Finance, Computer Science, Business, or equivalent practical experience.
- 2+ years of experience in product management, business analysis, or a closely related role within financial services or payments.
- Knowledge of payment lifecycle concepts (authorization, clearing, settlement, funding).
- Experience writing user stories, acceptance criteria, and functional specifications for technical delivery teams.
- Experience working in an agile delivery environment (for example: sprint planning, backlog refinement).
- Ability to analyze data to identify issues, validate outcomes, and support evidence-based decisions.
- Ability to communicate complex financial and technical concepts clearly to engineering and business stakeholders.
Preferred qualifications, capabilities and skills
- Experience with sub-ledger accounting outputs, general ledger posting concepts, or reconciliation workflows.
- Exposure to pricing or fee management systems in a merchant acquiring or issuing context.
- Experience with product or service configuration frameworks used to price or provision payment products.
- Experience using delivery and documentation tools (for example: Jira or Confluence).
- SQL experience and/or experience using cloud data platforms (for example: Snowflake) for independent validation.
- Experience using reporting or visualization tools (for example: Tableau).
- Experience supporting platform modernization or migration programs.
About Us
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 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.
Skills Required
- Bachelor's degree in Finance, Computer Science, Business, or equivalent practical experience
- 2+ years of experience in product management, business analysis, or closely related role within financial services or payments
- Knowledge of payment lifecycle concepts (authorization, clearing, settlement, funding)
- Experience writing user stories, acceptance criteria, and functional specifications for technical delivery teams
- Experience working in an agile delivery environment (sprint planning, backlog refinement)
- Ability to analyze data to identify issues, validate outcomes, and support evidence-based decisions
- Ability to communicate complex financial and technical concepts clearly to engineering and business stakeholders
- Experience with sub-ledger accounting outputs, general ledger posting concepts, or reconciliation workflows
- Exposure to pricing or fee management systems in a merchant acquiring or issuing context
- Experience with product or service configuration frameworks used to price or provision payment products
- Experience using delivery and documentation tools (for example: Jira or Confluence)
- SQL experience and/or experience using cloud data platforms (for example: Snowflake) for independent validation
- Experience using reporting or visualization tools (for example: Tableau)
- Experience supporting platform modernization or migration programs
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.
Why Work With Us
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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