Lead a franchise-defining agenda in one of the world’s most complex payments environments. This role offers the chance to shape how clients move money domestically and globally while helping modernize connectivity to key market infrastructure. You’ll influence priorities across a wide stakeholder set and operate with strong visibility. Ideal for a leader who blends commercial instinct with disciplined risk and control focus.

As a Japan Payments Product Head – Executive Director within the Payments business, you will drive the Japan payments product roadmap end-to-end setting strategy, prioritizing investment, delivering capabilities and leading commercialization and governance. You will turn liquidity and cash-management client needs into a focused agenda across domestic and cross-border payments and represent Japan’s priorities with internal partners and external stakeholders to ensure solutions meet regulatory requirements and control standards. Staying ahead of clearing and settlement infrastructure changes and evolving industry standards, you will steer product evolution and funding decisions, coordinating business, functional, and regional stakeholders to deliver measurable client impact and franchise growth.

Job Responsibilities

• Lead the Japan Payments product strategy and execution agenda, defining priorities across domestic payments, cross-border payments, liquidity solutions and broader cash management-related capabilities for the local franchise

• Drive product commercialization and market competitiveness in Japan by translating client needs, market developments and regulatory change into a clear product roadmap and execution plan

• Maintain deep engagement with the Japan payments ecosystem, including domestic clearing and settlement infrastructure such as Zengin, BOJ-NET and relevant yen clearing arrangements, as well as market initiatives affecting client payment flows and product design

• Partner with Sales, Coverage and Implementation teams to support client engagement, solutioning and revenue growth across Japanese corporates, financial institutions and multinational clients operating in Japan

• Represent the product franchise in dialogue with regulators, market infrastructures and industry bodies in Japan, while ensuring the business remains responsive to local supervisory expectations and market practice developments

• Lead local product governance with strong oversight of risk, controls, resiliency, regulatory obligations and implementation discipline, in partnership with Legal, Compliance, Risk, Operations and Technology teams

• Support modernization and platform enhancement initiatives relevant to the Japan market, including data-rich payment workflows, interoperability requirements and evolving industry standards such as ISO 20022 where relevant to the business

• Influence and coordinate senior stakeholders across Japan, APAC and global product organizations to secure investment, align priorities and deliver strategic initiatives effectively in the local market

• Lead and develop a high-performing local product team, fostering strong accountability, client focus, collaboration and execution excellence

Required Qualifications, Capabilities and Skills

• Significant experience in payments, transaction banking, cash management or related product disciplines, with substantial experience in senior product leadership roles

• Deep knowledge of the Japan payments landscape, including client needs, domestic market infrastructure, competitive dynamics and the regulatory environment relevant to banking and payments products in Japan

• Demonstrated experience developing and executing product strategy in a complex, highly controlled financial services environment

• Strong understanding of Japan payment and settlement infrastructure and related market practices, including familiarity with frameworks such as Zengin, BOJ-NET, yen clearing processes and associated client flow requirements

• Proven ability to work effectively across a matrixed organization and influence senior stakeholders across business, functional, regional and global teams

• Strong understanding of governance, risk management, controls and regulatory engagement, with the ability to operate credibly in discussions involving supervisory expectations and local market developments

• Excellent written and verbal communication skills in both Japanese and English

• Proven leadership capability, including team management, talent development and execution through others

Preferred Qualifications, Capabilities and Skills

• Experience leading product platform enhancements, market infrastructure initiatives or regulatory-driven change programs in Japan

• Experience engaging with Japanese regulators, market infrastructures or relevant industry associations in a payments or transaction banking context

• Demonstrated success supporting Japanese corporate and financial institution clients, including complex local and cross-border payment use cases

• Familiarity with data standards, payment modernization initiatives and client workflow digitization trends relevant to the Japan market

---

J.P. Morgan is a global leader in financial services, providing strategic advice and products to the world’s most prominent corporations, governments, wealthy individuals and institutional investors. Our first-class business in a first-class way approach to serving clients drives everything we do. We strive to build trusted, long-term partnerships to help our clients achieve their business objectives.

---

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.

---

Senior product leader to drive payments strategy, commercialization, governance, and cash management solutions.