Senior Innovation Associate Core Product Mobile Payments

Are you a product innovator who pushes the boundaries of whats possible on mobile by leveraging platform-native capabilities to create differentiated best-in-class experiences If so youve found the right team!

As a Senior Core Product Innovation Associate within our mobile services organization you drive the evolution of our mobile platform by identifying evaluating and delivering native mobile capabilities that set our digital banking experience apart. This role is focused on harnessing what makes mobile unique device hardware OS-level integrations and platform-native features to create compelling experiences that cannot be replicated on other channels. Success will be measured through the adoption of new capabilities customer engagement uplift and innovation velocity.

Job Responsibilities

• Identify evaluate and define product opportunities that leverage platform-native mobile capabilities including biometrics push notifications on-device ML camera/NFC/AR haptics widgets live activities and device sensors.
• Champion features and experiences that are uniquely possible on mobile ensuring our app takes full advantage of iOS and Android platform advancements with each OS release.
• Own and maintain a forward-looking innovation roadmap for native mobile capabilities aligned with business strategy and customer needs.
• Lead proof-of-concepts pilots and beta programs to validate new native capabilities before scaling across the portfolio.
• Create reusable NFR templates for mobile delivery (e.g. reliability latency crash-free rate app size battery impact observability and resilience).
• Ensure new capabilities incorporate appropriate security and privacy controls including authentication and session handling secure storage device integrity checks and data protection expectations.
• Run a lightweight intake process for innovation proposals; triage size prioritize and route work across contributors.
• Partner with design engineering security and QA to pilot new innovations drive adoption and remove delivery friction.
• Use adoption metrics partner feedback and experimentation outcomes to validate new capabilities and drive measurable improvements in customer engagement and experience.

Required Qualifications Capabilities and Skills

• 3 years experience in fintech digital banking or mobile-first native apps.
• Product management experience in mobile (iOS/Android) and/or mobile platform contexts with a demonstrated track record of driving product innovation.
• Deep knowledge of native mobile platform capabilities across iOS and Android including awareness of annual OS releases and new APIs.
• Demonstrated ability to identify product opportunities and translate them into clear testable requirements using structured problem solving and repeatable frameworks.
• Strong product thinking ability to balance innovation and exploration with delivery discipline and operational rigor.
• Metrics-driven approach to product delivery; ability to define and use data to validate innovation hypotheses and measure capability adoption.
• Pragmatic decision-making skills that balance speed with risk quality and control requirements.
• Strong understanding of mobile NFRs including performance reliability and observability.
• Familiarity with mobile security and privacy considerations and experience embedding them into product requirements.
• Strong stakeholder management skills including the ability to influence without authority and drive adoption of new capabilities across teams.

Preferred Qualifications Capabilities and Skills

• Experience operating a platform product model with an innovation or incubation focus.
• Experience running proof-of-concepts pilots or beta programs for new mobile capabilities.
• Familiarity with emerging mobile technologies (e.g. on-device ML advanced haptics spatial computing widget frameworks live activities dynamic island).
• Experience defining mobile analytics and instrumentation requirements (events funnels experimentation).
• Background collaborating closely with security/risk partners on mobile controls.
• Experience working with design systems and mobile component libraries.

FEDERAL DEPOSIT INSURANCE ACT: This position is subject to Section 19 of the Federal Deposit Insurance Act. As such an employment offer for this position is contingent on JPMorganChases review of criminal conviction history including pretrial diversions or program entries.