Job Description
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Job Description
The Credit & Lending Product Solutions team within Commercial Banking Solutions is responsible for the management of JPMorgan's Commercial Banking suite of wholesale lending products, the firmwide credit & lending product hierarchy, and the delivery of lending solutions. Key functions of the team include managing and developing existing & new products organized by vertical, the wholesale lending product catalog, product standardization initiatives, field enablement, product governance, product data, revenue management & analytics.
The International Credit & Lending Product Manager will report to the global Head of Credit & Lending Product Solutions and help define and execute on the product strategy for all international markets. This leader will also manage a small international team of product managers, currently including an APAC product manager based in Singapore.
International Credit & Lending Products scope includes:
Traditional bi-lateral commercial lending
Syndicated and complex corporate lending
Leveraged lending
Collateral-based loans such ABL
Specialty lending structures
Credit support of Trade Finance
Credit support of Wholesale Payments
Select types of CRE lending
Key responsibilities focused on International aspects
Influence and collaborate with cross-functional stakeholders across Banking, Credit Risk, Wholesale Lending Services, Credit Markets, Debt Capital Markets, Digital, and other Product teams to execute on team objectives
Drive end-to-end management and launch of credit & lending product offerings to clients, including managing NBIA (New Business Initiatives Approvals) and Change Management initiatives
Guide and update common standards for product sales, structuring and execution
Provide governance and monitoring of deals falling outside of documented structuring and pricing standards
Review local regulations and update P&P's (policies & procedures) as appropriate
Drive and report to senior management on special projects and business cases driven by LOB strategy, regulatory or product transformation strategies
Provide oversight for updates to product hierarchy and features library to ensure international region-specific lending product requirements are consistently referenced and identified across financial, operational and client reporting
Partner with Product Analytics teams to enhance product reporting and insights
Manage towards effective key performance indicators (KPIs) and results, including product adoption, pricing, revenue, cost management, and capital efficiency
Provide product training, commercialization and change readiness support as necessary to international bankers and other partners to drive Field Enablement
Select deal advisory to the field, typically on new or complex international products & features that require Product review or escalation
Required qualifications, capabilities and skills
12+ years' experience with growing responsibilities in either commercial banking product management, corporate banking, commercial lending or credit
Deep understanding of lending ecosystems and the financing needs of corporate and/or real estate clients; Highly skilled at structuring and handling complex solutions to meet client needs
Demonstrated expertise in lending products and end-to-end credit delivery spanning banking/sales, underwriting and/or operations
Track record of success in leading large-scale initiatives and strategic projects across various product or banking teams, driven by strong project management skills with a well-organized, structured approach
Creative problem-solving skills, capable of developing innovative and differentiated solutions
Proven ability to build, lead and motivate a team, while collaborating with stakeholders
Excellent interpersonal, verbal and written communication skills with influencing experience
Preferred qualifications, capabilities and skills
Bachelor's degree required; MBA or related Master's Degree
Experience collaborating across functional groups including sales, service, compliance and legal teams
Ability to maintain control environment and process management
Exposure to various international regulatory environments
Experience with designing or delivering complex, digital and product initiatives, as well as digital transformation and technology innovation
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. 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. In accordance with applicable law, we make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as any mental health or physical disability needs.
About the Team
Commercial Banking is focused on helping our clients succeed and making a positive difference in our communities. We provide credit and financing, treasury and payment services, international banking and real estate services to clients including corporations, municipalities, institutions, real estate investors and owners, and nonprofit organizations.