European Lending Product Director (All Genders) (Berlin, Germany)

European Lending Product Director (All Genders)

Job Description

As a Product Manager within JPMorganChase's International Consumer Bank, you will shape the product strategy and roadmap for unsecured lending capabilities for EU expansion via a single platform and market-specific overlays (e.g., regulatory, disclosures, credit policy inputs, language/content, and operational variations). You will partner closely with engineering, design/content, controls, and market stakeholders to deliver scalable, cloud-native platform capabilities and seamless customer journeys through the full PDLC.

Key responsibilities

• You will be accountable for defining the strategy, shaping the roadmap, and delivering end-to-end capabilities for unsecured lending across EU expansion markets, using a core platform-and-overlays approach.
• Define and drive the product strategy and roadmap, balancing the requirements of markets specific asks and single scalable platform across markets.
• Ensure origination, repayments, servicing, and customer support and collections capabilities are designed for reuse across EU markets, in partnership with other teams.
• Write requirements and acceptance criteria for prioritized products & features, collaborating with markets, design/content, platform and controls to ensure solutions are desirable, usable, feasible and viable.
• Be accountable for product outcomes, prioritisation and end to end delivery, working with engineering, platform, design, controls, data, operations and market stakeholders
• Engage with market stakeholders to drive product performance, defining product OKRs, identifying weaknesses and prioritising improvements based on customer and performance data.
• Manage vendors and third-party dependencies where applicable, ensuring they meet SLAs while controlling costs.
• Accountability for controls, ensuring that we continue to meet firmwide standards to manage risk and regulatory obligations.

Required Qualifications, Capabilities, And Skills

• European unsecured lending expertise, with deep experience in Personal Loans and other unsecured lending products including Credit Cards/Overdraft/BNPL/POS finance
• Strong understanding of relevant European regulatory and conduct obligations for unsecured consumer lending products.
• Experienced product manager with a track record of delivering against a product roadmap in a complex, cross-functional environment.
• Strong product/platform acumen and experience partnering with engineering to build scalable, cloud-native services (API-led, microservices-oriented).
• Proven leadership and stakeholder management at senior levels; able to explain decisions clearly, logically, empathetically but firmly.

Preferred Qualifications

• Multi-market European launch/scale experience for unsecured lending products.
• Data analysis and modelling expertise, translating customer/portfolio data into product insights and prioritisation.
• Experience managing existing and new vendor contracts

ABOUT US

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. We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success.

Equal Opportunity Statement

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.

About The Team

Our professionals in our Corporate Functions cover a diverse range of areas from finance and risk to human resources and marketing. Our corporate teams are an essential part of our company, ensuring that we're setting our businesses, clients, customers and employees up for success. The Digital team is dedicated to creating innovative, industry-leading products and experiences that help customers access, share and control their financial data so they can make smart decisions with their money. Teams enable innovation while adhering to the firm's data sharing principles of security, customer control and convenience, and privacy.