Product Delivery Associate– Real-Time Payments

Role overview

Product Delivery Associate– Real-Time Payments at JP Morgan

Work closely with Operations, Product and Technology to deliver scalable, resilient and operationally ready Real-Time Payments capabilities.

Responsibilities

• You will build strong cross-functional relationships with Operations, Product, Finance and Technology to define requirements and support the delivery and adoption of new digital payment products .
• Lead requirements discovery and translate business needs into functional process flows, use cases, acceptance criteria and traceable delivery requirements in JIRA.
• Run daily POD calls and document end-to-end payment journeys, core processing and exception scenarios.
• Assess operational impacts and design future-state processes, Target Operating Models, ownership, controls, service hand-offs and escalation paths.
• Identify operational, regulatory, fraud, sanctions, liquidity, accounting and reconciliation risks and define sustainable controls and mitigations.
• Develop and review testing scenarios with Operations, Product and Technology, in line with regional processes.
• Drive operational readiness, implementation planning and go-live support.
• Facilitate workshops, resolve requirements gaps and communicate decisions, risks, dependencies and delivery status, while identifying opportunities to automate and improve straight-through processing, utilising AI.
• Maintain program execution artifacts including deliverables, milestones and RAID logs; surface risks, blockers and dependency needs.
• Required qualifications, capabilities and skills: 6+ years’ experience in a financial services payments delivery role, with direct experience of RTP schemes.
• Self-starter with strong execution discipline and stakeholder management experience.
• Ability to build trusted relationships, influence decisions, challenge and align cross-functional teams.
• Proficient in using AI tools to improve processes, increase efficiency and identify automation opportunities.
• Collaborative team player who shares knowledge to continuously improve ways of working.
• Strong understanding of end-to-end payment processing, operational risk and controls.
• Structured problem-solver with attention to detail.
• Proficiency in JIRA, Excel, PowerPoint and process-mapping tools.
• Experience with APIs, webhooks, host-to-host files, digital payment platforms, sanctions, fraud, transaction limits, liquidity, reconciliations and exception processing.
• Experience in Corporate and Investment Bank operations, process automation and transformation, with familiarity of Monday.com, Alteryx, Tableau and responsible AI-assisted analysis.
• Operations Business Analyst – Real-Time Payments (RTP)

Preferred qualifications and skills

• Preferred qualifications, capabilities and skills: Knowledge of ISO 20022 messaging and payment flows, including initiation, status, returns, investigations, reconciliation and reporting.

Employment details

• Location: Bengaluru [Karnataka] [India]

Additional role details

• Building on the vision and structure of our Payments business, the Payments Operations organization is evolving its operating model.
• The newly created Cash Operations & Transformation team has been established to support key existing products and new product offerings, such as Real Time Payments, Digital Payments – Push2Card, Push2Wallet etc..
• With the focus of simplifying and standardizing operational services, enhance client experience and accelerate delivery of operational excellence.
• As a Senior Product Delivery Associate in Payment Operations, you are trusted with enabling the delivery of products in a stable and scalable way, and you will partner with Operations, Sales, Product, Client Service & Implementations, and Technology in developing the build out and adoption of new, e-commerce products.
• Job