Embedded Lending Product Manager- Payments - Vice President

Job Description

You enjoy shaping the future of product innovation as a core leader, driving value for customers, guiding successful launches, and exceeding expectations. Join our dynamic team and make a meaningful impact by delivering high-quality products that resonate with clients.

As a Product Manager in Embedded Finance, you are an integral part of the team that innovates new product offerings and leads the end-to-end product life cycle. As a core leader, you are responsible for acting as the voice of the customer and developing profitable products that provide customer value. Utilizing your deep understanding of how to get a product off the ground, you guide the successful launch of products, gather crucial feedback, and ensure top-tier client experiences. With a strong commitment to scalability, resiliency, and stability, you collaborate closely with cross-functional teams to deliver high-quality products that exceed customer expectations.

You will shape how lending experiences reach customers by meeting them where they already are—within the platforms they use every day. You will own the product vision and strategy for Embedded Lending and lead the partner ecosystem that brings it to life, balancing internal delivery with external vendor accountability. You will define what “great” looks like, translate insights into a prioritized roadmap, and drive outcomes that are seamless, scalable, and grounded in strong risk management.

Job responsibilities

• Own and articulate a clear product vision and strategy for Embedded Lending grounded in customer needs and market opportunity
• Translate insights into a prioritized roadmap and drive execution with engineering, design, operations, risk, legal, and compliance partners
• Manage the full product lifecycle from discovery and experimentation through launch, optimization, and scale
• Own the end-to-end partner and vendor ecosystem, including selection, onboarding, governance, and ongoing performance management
• Negotiate commercial terms and define service level agreements (SLAs) and accountability frameworks that protect client experience and firm standards
• Establish escalation paths, lead remediation when issues occur, and drive continuous improvement with partners and internal teams
• Define and monitor key performance indicators (KPIs) across conversion, decisioning speed, funding timelines, error rates, uptime, and customer satisfaction
• Build reporting rhythms and operational reviews that surface trends early and trigger action before clients feel the impact
• Connect vendor performance to client outcomes, quantifying impact on experience, revenue, and retention
• Communicate trade-offs, progress, and outcomes clearly to senior leaders and stakeholders, using data to support decisions

Required qualifications, capabilities, and skills

• 5+ years of product management experience delivering digital products from discovery through launch and iteration
• Experience in lending, payments, or embedded finance, with demonstrated ability to translate customer needs into product strategy and execution
• Track record of managing third-party vendors or strategic technology partners with commercial accountability
• Ability to define, monitor, and act on KPIs; experience building dashboards and translating data into decisions and execution plans
• Strong cross-functional leadership skills across engineering, operations, risk, legal, compliance, and external partners
• Experience navigating regulatory, controls, and risk considerations in financial services product delivery
• Strong commercial judgment paired with a client-first approach to prioritization and decision-making
• Excellent communication and stakeholder management skills across delivery forums, partner negotiations, and senior leadership updates
• Ability to identify, assess, and mitigate third-party risks, including concentration risk, regulatory exposure, data privacy, and business continuity

Preferred qualifications, capabilities, and skills

• Experience leading vendor selection processes, commercial negotiations, and ongoing governance operating models
• Experience defining SLAs and performance scorecards for external partners and driving measurable improvements over time
• Familiarity with embedded lending journeys, including origination, underwriting/decisioning, funding, servicing, and customer support touchpoints
• Experience operating with experimentation and continuous optimization practices (e.g., test-and-learn, funnel optimization)
• Demonstrated experience improving application conversion, decisioning speed, funding timelines, or platform reliability through product-led initiatives
• Experience building scalable partner ecosystems across multiple platforms or distribution channels
• Familiarity with third-party risk management practices and operational resilience expectations for critical vendors

About Us

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 offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process. 

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.

JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans

About the Team

A part of the Commercial & Investment Bank, J.P. Morgan Payments enables organizations of all sizes to execute transactions efficiently and securely, transforming the movement of information, money, and assets. The team of experts tackles complex challenges at every stage of the payment lifecycle. And their industry-leading solutions facilitate seamless transactions across borders, industries, and platforms.

Operating in over 160 countries and handling more than 120 currencies, J.P. Morgan Payments business is the largest processor of USD payments, with a daily transaction volume of $10 trillion.