Ignite your passion for product innovation by leading customer-centric development, inspiring solutions, and shaping the future with your strategic vision and influence. 
  As a Product Director Transactional Credit Management within Liquidity and Account Solutions, you lead innovation through the development of products and features that delight customers. As a leader on the team, you leverage your advanced capabilities to challenge traditional approaches, remove barriers to success, and foster a culture of continuous innovation that helps inspire cross-functional teams create groundbreaking solutions that address customer needs. The Transactional Credit Management (TCM) team is a newly formed global team that has a follow-the-sun model supporting the Payments organization. The team reports into the Head of Transactional Credit Management, and will be part of the Liquidity & Account Solutions (L&AS) organization within JPMorganChase Payments. The team functions as Subject Matter Experts across the payment verticals including but not limited to Liquidity & Account Solutions (L&AS), Clearing, Foreign Exchange, Receivables, Public Sector and Commercial Card and various technology platforms.   JPMorganChase Liquidity & Account Solutions (”L&AS”) works with global clients with complex cash management needs who operates across multiple countries, currencies, legal entities, and time zones, including multi-national corporations, high-growth technology companies, commercial banks, non-bank financial institutions, central banks and broker dealers. Our advanced, end-to-end solutions which combine physical, notional and virtual techniques enable our clients to achieve visibility, control and optimization of working capital.  

Job responsibilities 

Builds and leads the newly created global team, including location strategy and hiring Develops the framework, in alignment with Credit Management Standard, and operating model for managing transactional credit risk of non-Credit-managed/business-managed clients; oversees and drives the product roadmap, vision, development and execution of such framework and operating model and risk management Defines Payments’ transactional credit risk appetite and decisioning rules  Develops, in partnership with Exposure Management, governance, monitoring and reporting on business rules and credit exposure relating to business-managed clients as well as approval grid and escalation process for exposure in excess of pre-defined thresholds. Partners with Credit Risk Management, L&AS Data & Analytics program and Product Development to execute tactical and strategic roadmap for data and tools to achieve and facilitate transaction decisioning and ongoing monitoring and mitigation of business-owned risks.  Monitors credit exposure relating to non-Credit-managed clients and any relevant internal and external (including regulatory) factors and identifies opportunities for refinement of risk appetite, transaction credit decisioning rules and operating model  Coaches and trains and mentors the TCM team on best practices, such as solution generation, market research, storyboarding, mind-mapping, prototyping methods, product adoption strategies, and product delivery, enabling them to effectively deliver and perform under the framework and operating model relating to non-Credit-managed clients  Owns product performance (i.e. development and establishment of the framework and operating model for managing credit risk of non-Credit-managed clients) and is accountable for driving enhancements to achieve business objectives

Required qualifications, capabilities, and skills

8+ years of experience or equivalent expertise delivering products or projects, or transactional credit risk management Experience driving change within organizations and managing stakeholders across multiple functions Proven ability to influence and drive the adoption of material changes in operating model  Strong organizational and communications skills Experience as people manager Extensive knowledge of the product development life cycle, technical design, and data analytics Product life cycle activities including discovery, ideation, strategic development, requirements definition, and value management

Preferred qualifications, capabilities, and skills 

Recognized thought leader within a related field Payments-related liquidity risk and credit risk experience