Credit Risk Manager

hackajob is collaborating with J.P. Morgan to connect them with exceptional professionals for this role. 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 Core Cash Fraud Prevention, 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. Job responsibilities Leads the design, development, and implementation of a new Global Fraud Consortium data platform and its business rules to improve detection rules, models, and algorithms for core cash payment channels including Wires, ACH, RTP, and emerging payment methods Develops a product strategy and product vision that delivers value to customers, aligned with business objectives and risk appetite for fraud prevention solutions Manages discovery efforts and market research to uncover customer solutions and integrate them into the product roadmap, including threat analysis, competitive benchmarking, and emerging fraud pattern identification Owns, maintains, and develops a product backlog that enables development to support the overall strategic roadmap and value proposition using Agile methodologies Builds the framework and tracks the product's key success metrics such as cost, feature and functionality, risk posture, reliability, fraud detection effectiveness, and false positive rates Analyzes fraud trends, attack vectors, and typologies to continuously enhance detection capabilities while balancing fraud prevention effectiveness with customer experience Collaborates with data science teams to develop and deploy machine learning models that benefit from this new platform Designs fraud detection and prevention mechanisms that comply with regional regulatory requirements Collaborates with compliance, legal, and risk teams globally to ensure product features meet all applicable regulatory standards, fraud reporting obligations, and maintain proper documentation and audit trails for regulatory examinations Required qualifications, capabilities, and skills 5 years of experience or equivalent expertise in product management or a relevant domain area Advanced knowledge of the product development life cycle, design, and data analytics Proven ability to lead product life cycle activities including discovery, ideation, strategic development, requirements definition, and value management Minimum 3 years of Financial Technology experience with deep understanding of Banking Payment Domain including Wires, ACH, Real Time Payments, and ISO 20022 standards Extensive experience working with fraud detection systems and deep understanding of fraud patterns, typologies, and attack vectors in payment ecosystems, including experience with fraud case management and investigation workflows Proven experience designing and implementing payment and fraud prevention solutions Strong proficiency in Agile development methodologies and tools (JIRA) with ability to write clear, comprehensive user stories following INVEST principles with well-defined acceptance criteria Strong understanding of regional payment regulations and fraud prevention requirements across multiple jurisdictions (US, EMEA, APAC), and fraud reporting obligations Experience with API design, contract definition, and specifications (Swagger) and knowledge of web service protocols and technologies (SOAP, XML, JSON) SQL and database scripting capabilities with ability to analyze large datasets Bachelor's or Master's degree required; Engineering, Computer Science, Mathematics, or related quantitative field Preferred qualifications, capabilities, and skills Demonstrated prior experience working in a highly matrixed, complex organization 6-12 years of experience in software development or technology companies Expertise in fraud detection methodologies, machine learning models, and rule-based engines Experience with fraud detection rule engines and scoring models Track record of delivering products with "first time right, on-time delivery" approach Experience gathering and synthesizing requirements from diverse stakeholders including fraud investigators, compliance officers, and regional business partners through structured interviews and feedback sessions 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.aa415a4b-8b21-40fc-a65c-70d2b25ca29a