Senior Product Associate – Payment Processing
Share
Job Location:
Monthly Salary:
Posted on:
Yesterday
Vacancies:
1 Vacancy
Job Summary
Description
As a Senior Product Associate in Payment Processing you contribute to the team by leveraging your expertise in product development and optimization to make a significant impact supported by user research and customer feedback to fuel the creation of innovative products and continuously improve existing offerings. Collaborate closely with cross-functional teams and play a crucial role in shaping the future of our products and ongoing success.
As a Senior Product Associate Payment Processing (Card Present & Card Not Present) in Acquiring Platforms & Rails you drive product development and optimization across Card Present and Card Not Present payment channels translating customer needs and payment performance insights into prioritized roadmaps and shipped capabilities. Success looks like measurably higher authorization rates lower fraud and chargebacks resilient platform performance at scale and clear alignment across product engineering risk and commercial stakeholders to deliver end-to-end payment processing value globally.
Unleash your expertise in product development and optimization by leveraging user research analyzing metrics and collaborating across one of the worlds most innovative financial organizations.
As a Senior Product Associate in Payment Processing you contribute to the team by leveraging your expertise in product development and optimization to make a significant impact supported by user research and customer feedback to fuel the creation of innovative products and continuously improve existing offerings. Collaborate closely with cross-functional teams and play a crucial role in shaping the future of our products and ongoing success.
As a Senior Product Associate Payment Processing (Card Present & Card Not Present) in Acquiring Platforms & Rails you drive product development and optimization across Card Present and Card Not Present payment channels translating customer needs and payment performance insights into prioritized roadmaps and shipped capabilities. Success looks like measurably higher authorization rates lower fraud and chargebacks resilient platform performance at scale and clear alignment across product engineering risk and commercial stakeholders to deliver end-to-end payment processing value globally.
Job responsibilities
- Partner with the Product Manager to define and deliver Card Present and Card Not Present product capabilities across in-store and digital commerce journeys
- Translate user research client feedback and merchant pain points into clear requirements epics and user stories with channel-specific acceptance criteria
- Drive adoption of network tokenization and Card Not Present authentication features such as 3D Secure 2 to improve approval rates and reduce fraud
- Coordinate integration of fraud screening and decisioning capabilities to balance customer experience losses and compliance requirements
- Plan and manage upstream and downstream impacts of new features on authorization routing decline management chargebacks and reconciliation
- Monitor and improve key payment metrics including approval rates transaction latency decline rates fraud ratios and conversion outcomes
- Collaborate with card networks and external partners to support product changes certification needs and rule compliance across payment rails
- Partner with risk compliance and legal teams to ensure adherence to applicable standards and regulations including PCI-DSS and PSD2 where relevant
- Work with settlement and funding teams to support global settlement currency needs funding flows and operational readiness for new launches
- Support interchange and cost optimization initiatives by aligning product design routing strategies and network programs to business goals
- Communicate product trade-offs launch plans and performance results to stakeholders maintaining clear documentation and decision logs
Required qualifications capabilities and skills
- Bring 3 years of experience in product management or product strategy
- Demonstrate strong understanding of the card payment ecosystem including authorization clearing and settlement concepts
- Explain and map end-to-end Card Present transaction flows including EMV contactless and PIN debit considerations
- Explain and map end-to-end Card Not Present transaction flows including e-commerce gateway and recurring billing patterns
- Apply working knowledge of PCI-DSS requirements and how they influence product design and operational controls
- Use data to diagnose payment performance issues and interpret trends in approval rates declines latency and fraud metrics
- Write clear testable requirements and acceptance criteria suitable for engineering delivery and quality assurance validation
- Collaborate effectively in cross-functional matrixed environments with product engineering risk compliance operations and commercial teams
- Communicate complex payment topics crisply to both technical and non-technical audiences including senior stakeholders
- Execute with strong prioritization organization and ownership in a fast-moving platform environment operating at high scale
- Demonstrate structured problem-solving sound judgment and a customer-first mindset in ambiguous problem spaces
Preferred qualifications capabilities and skills
- Experience in payments merchant acquiring or financial services
- Deliver a track record leading end-to-end product development life cycle for complex Card Present and Card Not Present payment initiatives
- Bring experience working within a merchant acquirer processor or payment network in a highly matrixed operating model
- Show familiarity with modern payment platform architectures including cloud microservices and API-driven gateway patterns
- Understand 3D Secure 2 and Strong Customer Authentication concepts and their impact on conversion fraud and issuer behavior
- Demonstrate knowledge of interchange dynamics and levers that influence authorization outcomes and cost-to-serve
- Understand terminal and device ecosystem considerations including terminal management certifications and in-store rollout constraints
- Show familiarity with alternative payment methods such as Apple Pay Google Pay and buy now pay later and how they integrate into acquiring flows
Required Experience:
Senior IC
About Company
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 ov ... View more
