Billing Ops Payment Lifecycle Associate

Location: Bengaluru, India

Job Description

Join a team shaping the future of digital payments and drive your professional growth. Become a pivotal leader at the forefront of revolutionizing payment operations, where your expertise will help drive efficiency across our financial systems.

As a Payment Lifecycle Associate II within Payments Operations, you will play a pivotal role in enhancing our payment operations framework by streamlining processes, implementing new technologies, and developing operational functions. You will manage payment processing across various products, ensuring smooth fund transfers and reconciling purchase and sales options, futures, or securities, while leveraging your proficiency in automation, cybersecurity, and anti-fraud awareness to ensure security and efficiency. Your ability to manage stakeholders, influence decisions, and handle conflicts will drive mutually beneficial outcomes, and your strategic planning skills will guide our direction and resource allocation decisions. Additionally, your proficiency in AI/ML will be utilized to solve complex problems and enhance processes, applying your knowledge in market product and process improvement to optimize our operations.

Job responsibilities
Lead the day-to-day Invoice Clearing operations, ensuring incoming payments are accurately and promptly matched and applied to outstanding invoices within established service levels and control requirements.
Manage team capacity, productivity and daily work allocation, adjusting resources and priorities based on transaction volumes, ageing, risk and operational requirements.
Monitor key performance and control indicators, including payment-matching timelines, outstanding and aged items, unmatched or unapplied payments, exceptions and processing errors.
Drive the timely investigation and resolution of payment breaks and exceptions by coordinating with Billing, Operations, Finance, Client Service and other relevant stakeholders.
Provide active oversight of aged and unresolved items, ensuring appropriate ownership, follow-up, escalation and remediation.
Maintain a strong operational control environment by ensuring adherence to established procedures, policies, escalation requirements and applicable control standards.
Investigate processing errors and recurring exceptions, identify root causes and implement corrective and preventive actions.
Analyse operational data and trends to drive measurable improvements in productivity, accuracy, controls and turnaround times.
Promote accountability and a strong control culture by reinforcing procedural discipline, accuracy, timely escalation and end-to-end ownership.
Represent Invoice Clearing in governance, operational, risk and stakeholder forums, providing clear updates on performance, risks, issues and improvement initiatives.

Required qualifications, capabilities, and skills

Bachelor’s degree in Commerce, Finance, Accounting, Business Administration or a related discipline.
Relevant experience in billing operations, payment application, invoice clearing, cash allocation or comparable financial operations.
Strong understanding of basic accounting principles, particularly payment application and reconciliation.
Demonstrated people-leadership experience, including team management, performance management, coaching, mentoring and employee development.
Strong risk and control mindset, with the ability to identify operational risks, control gaps, recurring exceptions and appropriate remediation.
Proven ability to manage competing priorities, high transaction volumes, operational deadlines and escalations.
Excellent written and verbal communication skills, with the ability to communicate effectively with senior stakeholders and cross-functional partners.
Demonstrated ability to challenge existing processes and drive continuous improvement while maintaining appropriate operational controls.
Ability to work the specified shift of 2:00 p.m. to 11:00 p.m. India time and support stakeholders across APAC, EMEA and WHEM.

Preferred qualifications, capabilities, and skills

Knowledge of ISO or Swift message processing or management.
Experience in Securities Services Billing or a related banking operations environment.
Knowledge of Securities Services products, including Custody, Fund Administration and Fund Accounting.
Understanding of how billing, invoice-clearing and payment-application activities support Securities Services businesses.
Experience managing unmatched payments, unapplied cash, ageing, reconciliation breaks and complex payment exceptions.
Experience working with Billing, Finance, Client Service and Operations teams in a global or regional operating model.
Experience leading process-improvement, automation or operational re-engineering initiatives.

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 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.

J.P. Morgan’s Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.

Job Info
Job Identification
210807816
Job Category
Payments Lifecycle
Posting Date
11/10/2026
Apply Before
01/31/2027
Job Schedule
Full time
Job Shift
Mid-Day
Locations
Ground to Fifth Floor G,H Block, EMBASSYTECH VILLAGE-PARCEL 5 OUTER RING RD DEVERABEESANAHALLI VILLA, Bengaluru, IN-KA, 560103, IN