Senior Innovation Associate - Core Product Mobile - Payments

Senior Core Product Innovation Associate

Are you a product innovator who pushes the boundaries of what's possible on mobile by leveraging platform-native capabilities to create differentiated, best-in-class experiences? If so, you've found the right team!

As a Senior Core Product Innovation Associate within our mobile services organization, you drive the evolution of our mobile platform by identifying, evaluating, and delivering native mobile capabilities that set our digital banking experience apart. This role is focused on harnessing what makes mobile unique — device hardware, OS-level integrations, and platform-native features — to create compelling experiences that cannot be replicated on other channels. Success will be measured through the adoption of new capabilities, customer engagement uplift, and innovation velocity.

Job Responsibilities

• Identify, evaluate, and define product opportunities that leverage platform-native mobile capabilities — including biometrics, push notifications, on-device ML, camera/NFC/AR, haptics, widgets, live activities, and device sensors.
• Champion features and experiences that are uniquely possible on mobile, ensuring our app takes full advantage of iOS and Android platform advancements with each OS release.
• Own and maintain a forward-looking innovation roadmap for native mobile capabilities, aligned with business strategy and customer needs.
• Lead proof-of-concepts, pilots, and beta programs to validate new native capabilities before scaling across the portfolio.
• Create reusable NFR templates for mobile delivery (e.g., reliability, latency, crash-free rate, app size, battery impact, observability, and resilience).
• Ensure new capabilities incorporate appropriate security and privacy controls, including authentication and session handling, secure storage, device integrity checks, and data protection expectations.
• Run a lightweight intake process for innovation proposals; triage, size, prioritize, and route work across contributors.
• Partner with design, engineering, security, and QA to pilot new innovations, drive adoption, and remove delivery friction.
• Use adoption metrics, partner feedback, and experimentation outcomes to validate new capabilities and drive measurable improvements in customer engagement and experience.

Required Qualifications, Capabilities, and Skills

• 3+ years experience in fintech, digital banking, or mobile-first native apps.
• Product management experience in mobile (iOS/Android) and/or mobile platform contexts with a demonstrated track record of driving product innovation.
• Deep knowledge of native mobile platform capabilities across iOS and Android, including awareness of annual OS releases and new APIs.
• Demonstrated ability to identify product opportunities and translate them into clear, testable requirements using structured problem solving and repeatable frameworks.
• Strong product thinking — ability to balance innovation and exploration with delivery discipline and operational rigor.
• Metrics-driven approach to product delivery; ability to define and use data to validate innovation hypotheses and measure capability adoption.
• Pragmatic decision-making skills that balance speed with risk, quality, and control requirements.
• Strong understanding of mobile NFRs, including performance, reliability, and observability.
• Familiarity with mobile security and privacy considerations and experience embedding them into product requirements.
• Strong stakeholder management skills, including the ability to influence without authority and drive adoption of new capabilities across teams.

Preferred Qualifications, Capabilities, and Skills

• Experience operating a platform product model with an innovation or incubation focus.
• Experience running proof-of-concepts, pilots, or beta programs for new mobile capabilities.
• Familiarity with emerging mobile technologies (e.g., on-device ML, advanced haptics, spatial computing, widget frameworks, live activities, dynamic island).
• Experience defining mobile analytics and instrumentation requirements (events, funnels, experimentation).
• Background collaborating closely with security/risk partners on mobile controls.
• Experience working with design systems and mobile component libraries.

FEDERAL DEPOSIT INSURANCE ACT: This position is subject to Section 19 of the Federal Deposit Insurance Act. As such, an employment offer for this position is contingent on JPMorganChase's review of criminal conviction history, including pretrial diversions or program entries.

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

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.