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Payment Lifecycle Associate- Change Management

JPMorganChase

JPMorganChase

Mumbai, Maharashtra, India
Posted on Dec 29, 2025
Join a team shaping the future of digital payments and drive your professional growth. Unlock your potential and make a meaningful impact in a fast-paced and innovative environment.

As a Payment Lifecycle Associate I within Payments Operations, you will enhance our payment operations framework by streamlining processes, implementing new technologies, and developing operational functions, while managing payment processing across various products to ensure smooth fund transfers and reconcile purchase and sales options, futures, or securities. Leveraging your proficiency in automation, cybersecurity, and anti-fraud awareness, you will ensure the security and efficiency of our payment lifecycle. Your ability to manage stakeholders, influence decisions, and handle conflicts will drive mutually beneficial outcomes, while your strategic planning skills will guide our direction and resource allocation decisions. Additionally, your proficiency in AI/ML will be utilized to solve complex problems and enhance processes, applying your knowledge in market product and process improvement to optimize our operations.

Job responsibilities
  • Apply knowledge of systems architecture and automation technologies to identify inefficiencies, improve quality, and enhance customer experience, while defining project requirements and metrics.
  • Build effective relationships with stakeholders and teams to drive mutually beneficial outcomes, ensure smooth operations, and participate in fraud prevention and talent development.
  • Drive global change and transformation initiatives, focusing on payments product innovation and operational excellence. Develop and execute structured change management strategies for high-impact technical initiatives.
  • Manage end-to-end project lifecycles for technical changes, including milestone setting, budget tracking, and resource allocation. Conduct thorough technical impact analyses and risk assessments to prevent service downtime.
  • Facilitate Change Advisory meetings to review, prioritize, and approve technical change requests. Create training and communication plans to guide non-technical staff through system transitions.
  • Oversee implementation of technical changes for payment projects, ensuring alignment with business strategy and client needs.
  • Perform detailed operations impact analysis for new business initiatives, including capacity, operating model, regulatory obligations, and control processes.
  • Lead operational readiness activities for successful implementation, including production data configuration, product verification, and client migration planning.
  • Coordinate working group and steering group meetings: set agendas, prepare materials (PowerPoint/Tableau), document minutes, and ensure clear ownership of action items.
  • Ensure sufficient internal controls and procedures to minimize risk, supporting audits, regulatory reviews, and inspections.
Required qualifications, capabilities, and skills
  • Bachelor’s degree in Business, Finance, Operations, Project Management, or related field.
  • Minimum 4 years of experience in change management, project management, or operations
  • Strong business acumen and understanding of payments, treasury services, and cash operations.
  • Proficient in data analysis techniques, capable of interpreting and communicating insights to inform decision-making with senior stakeholders.
  • Applies a commercial and growth mindset to adapt to fast-paced operations and new business initiatives, leveraging strong interpersonal skills to optimize relationships and collaboration.
  • Understands cybersecurity controls and anti-fraud strategies to protect information and systems, with familiarity in continuous improvement methodologies and design thinking techniques.
  • Proficiency in project management tools and presentation software (PowerPoint, Tableau).
Preferred qualifications, capabilities, and skills
  • Experience with global payments, liquidity, and cash management products. (preferably in financial services or payments).
  • Knowledge of regulatory requirements and control processes in financial services.
  • Ability to communicate complex technical concepts to non-technical audiences.
  • Strong execution skills; hands-on experience with ISO20022 transformation and SWIFT preferred.

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 over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.

We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants’ and employees’ religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.


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.
Be a key player in revolutionizing payment operations, where your expertise will drive efficiency and innovation.