Payments - Transactional Credit Management, Treasury Services - Product Manager - Senior Associate/Vice President
J.P. Morgan
Accounting & Finance, Product
London, UK
Transactional Credit Management (TCM) is a global team within J.P. Morgan Payments that supports the Treasury Services Global Corporate Banking and Commercial Banking businesses. The team is responsible for developing and maintaining first line of defense payments frameworks and internal policies that define business-owned risk appetite across Treasury Services products and payment verticals for non-Credit-managed clients and internal J.P. Morgan entities.
As a Product Manager in the Transactional Credit Management team, you are an integral part of the team that innovates new product offerings and leads the end-to-end product life cycle. As a core leader, you are responsible for acting as the voice of the customer and developing profitable products that provide customer value. Utilizing your deep understanding of how to get a product off the ground, you guide the successful launch of products, gather crucial feedback, and ensure top-tier client experiences. With a strong commitment to scalability, resiliency, and stability, you collaborate closely with cross-functional teams to deliver high-quality products that exceed customer expectations.
TCM works closely with partners across Product, Product Development, Technology, Sales, Operations, and second line of defense teams including Credit Risk Management, Credit Risk Middle Office, and Wholesale Lending Services. The team also serves as a subject matter expert across key payment verticals, including Liquidity & Account Solutions, Clearing, Foreign Exchange, Receivables, Public Sector, Commercial Card, and related technology platforms, and sits within the Treasury Services Liquidity & Account Solutions organization.
- Develops a product strategy and product vision that delivers value to customers
- Manages discovery efforts and market research to uncover customer solutions and integrate them into the product roadmap
- Owns, maintains, and develops a product backlog that enables development to support the overall strategic roadmap and value proposition
- Builds the framework and tracks the product's key success metrics such as cost, feature and functionality, risk posture, and reliability
Partners with first line of defense teams to design and evolve a transactional credit risk framework for non-Credit-managed clients in strategic growth segments requiring Treasury Services products
Defines and maintains business-owned risk appetite across Treasury Services products, ensuring frameworks remain aligned with business strategy, control requirements, and client needs
Develops business rules, approval criteria, escalation pathways, and operating models for intraday transaction decisioning and facility creation across third-party and internal J.P. Morgan entities
Works with Credit Risk to establish target operating models, monitoring standards, escalation protocols, and eligibility criteria to transition clients into full credit coverage where appropriate
Executes governance frameworks to monitor non-Credit-managed client populations globally and support effective risk oversight across Treasury Services activities
Collaborates with Product Development and Technology to define and prioritize technical requirements for strategic funds control platform enhancements
Communicates operating model changes, framework updates, and TCM scope clearly to internal stakeholders, including Sales, Client Service, and Operations teams across regions
- Proven experience or equivalent expertise in product management or a relevant domain area
- Advanced knowledge of the product development life cycle, design, and data analytics
- Proven ability to lead product life cycle activities including discovery, ideation, strategic development, requirements definition, and value management
Technical proficiency in working with systems, large data sets, and analytics to support decision-making and process improvement
Knowledge of payments products, payment flows, or transactional risk considerations
Strong organizational and communication skills, with the ability to synthesize complex issues clearly for senior stakeholders
Proven ability to work across a broad set of global functional partners, solve problems collaboratively, and influence outcomes across a matrixed organization
- Demonstrated prior experience working in a highly matrixed, complex organization
Payments-related credit risk or transactional credit risk management experience
Prior experience working in a highly matrixed, global organization with multiple control and business stakeholders
Direct experience in payments-related credit risk, transactional credit risk management, or risk frameworks
Familiarity with approval governance, escalation design, and monitoring frameworks for transactional products
Experience partnering with technology teams to translate business requirements into platform or workflow enhancements
J.P. Morgan is a global leader in financial services, providing strategic advice and products to the world’s most prominent corporations, governments, wealthy individuals and institutional investors. Our first-class business in a first-class way approach to serving clients drives everything we do. We strive to build trusted, long-term partnerships to help our clients achieve their business objectives.
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.
Join J.P. Morgan Payments in London as a Product Manager within Transactional Credit Management team.
