Embedded Lending Product Manager- Payments - Vice President

JPMorganChase•Tampa, FL

About The Position

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 Embedded Finance, 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. You will shape how lending experiences reach customers by meeting them where they already are—within the platforms they use every day. You will own the product vision and strategy for Embedded Lending and lead the partner ecosystem that brings it to life, balancing internal delivery with external vendor accountability. You will define what “great” looks like, translate insights into a prioritized roadmap, and drive outcomes that are seamless, scalable, and grounded in strong risk management.

Requirements

5+ years of product management experience delivering digital products from discovery through launch and iteration
Experience in lending, payments, or embedded finance, with demonstrated ability to translate customer needs into product strategy and execution
Track record of managing third-party vendors or strategic technology partners with commercial accountability
Ability to define, monitor, and act on KPIs; experience building dashboards and translating data into decisions and execution plans
Strong cross-functional leadership skills across engineering, operations, risk, legal, compliance, and external partners
Experience navigating regulatory, controls, and risk considerations in financial services product delivery
Strong commercial judgment paired with a client-first approach to prioritization and decision-making
Excellent communication and stakeholder management skills across delivery forums, partner negotiations, and senior leadership updates
Ability to identify, assess, and mitigate third-party risks, including concentration risk, regulatory exposure, data privacy, and business continuity

Nice To Haves

Experience leading vendor selection processes, commercial negotiations, and ongoing governance operating models
Experience defining SLAs and performance scorecards for external partners and driving measurable improvements over time
Familiarity with embedded lending journeys, including origination, underwriting/decisioning, funding, servicing, and customer support touchpoints
Experience operating with experimentation and continuous optimization practices (e.g., test-and-learn, funnel optimization)
Demonstrated experience improving application conversion, decisioning speed, funding timelines, or platform reliability through product-led initiatives
Experience building scalable partner ecosystems across multiple platforms or distribution channels
Familiarity with third-party risk management practices and operational resilience expectations for critical vendors

Responsibilities

Own and articulate a clear product vision and strategy for Embedded Lending grounded in customer needs and market opportunity
Translate insights into a prioritized roadmap and drive execution with engineering, design, operations, risk, legal, and compliance partners
Manage the full product lifecycle from discovery and experimentation through launch, optimization, and scale
Own the end-to-end partner and vendor ecosystem, including selection, onboarding, governance, and ongoing performance management
Negotiate commercial terms and define service level agreements (SLAs) and accountability frameworks that protect client experience and firm standards
Establish escalation paths, lead remediation when issues occur, and drive continuous improvement with partners and internal teams
Define and monitor key performance indicators (KPIs) across conversion, decisioning speed, funding timelines, error rates, uptime, and customer satisfaction
Build reporting rhythms and operational reviews that surface trends early and trigger action before clients feel the impact
Connect vendor performance to client outcomes, quantifying impact on experience, revenue, and retention
Communicate trade-offs, progress, and outcomes clearly to senior leaders and stakeholders, using data to support decisions