Job Details

Job Description

You are a strategic and analytical thinker, passionate about delivering innovative solutions to clients. You thrive in dynamic environments, collaborating across teams to drive impactful results. If you are ready to unlock your potential and shape the future of product solutions, you have found the right team. As a Product Solutions Vice President in Merchant Services, you are an expert at the intersection of products and the sales cycle. You leverage your deep understanding of customer needs to craft complex solutions, partner with Product and Sales to identify and capture market opportunities, and create new ways for teams to continuously deliver value to customers. In this role, you will collaborate across product, technology, and architecture within the payments space, driving customer‑centric strategies and business outcomes. You will influence the product development cycle, develop comprehensive solution requirements, and utilize industry‑leading tools to support go‑to‑market initiatives. Your expertise will help shape the future of payments through value‑added services and innovative product adoption.

Job Responsibilities

• Own the end‑to‑end strategy and roadmap for a smart routing and multi‑rail orchestration product in the Merchant Services business
• Design routing decision logic across PIN / PINless debit networks (e.g.,, PULSE, STAR), local methods of payment (e.g., Carte Bancaire, EFTPOS), Visa / Mastercard rails, and emerging alternative rails where applicable
• Build routing strategies that balance merchant preferences, issuer behavior, network rules, regulatory requirements, transaction economics (e.g., interchange, scheme / network fees) and fallback / resiliency needs
• Define product vision, market positioning, success metrics, and business cases tied to approval rate lift, cost savings, and performance
• Serve as a subject matter expert on debit routing, scheme connectivity, network economics, and routing mandates (e.g., Durbin‑style requirements where applicable)
• Partner closely with engineering, compliance, risk, operations, and commercial teams to ensure successful execution and launch
• Engage customers and partners to collect feedback, drive adoption, and strengthen JPMorgan's position as a thought leader
• Contribute to broader payment optimization initiatives beyond routing, ensuring a connected solution across capabilities such as authentication, tokenization vault, and authorization optimization

Required Qualifications, Skills, And Capabilities

• 7+ years of experience in payments, with a background in product management, solutions engineering / consulting, payments implementations / integrations, or network / scheme enablement
• Strong understanding of debit payment economics, including interchange mechanics, scheme /network assessments, processing / acquirer cost structures, and how routing impacts merchant cost and provider margin
• Demonstrated experience building or enabling routing / orchestration logic, including cost vs approval rate tradeoffs, network preference logic, and fallback strategies
• Strong ability to translate complex network, scheme, and regulatory requirements into clear product and technical execution
• Proven track record bringing new product concepts from inception through successful commercial launch, including developing customer journeys, personas, and requirements
• Strong customer‑facing communication skills and the ability to drive alignment across technical and business stakeholders
• Passion for payments innovation, with a clear point of view on trends shaping the payments optimization landscape
• Show comfort with P&L ownership, setting business objectives, and driving commercial outcomes

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

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.