Business Analyst II - Payments - Senior Associate

Deliver data-driven insights that shape global network strategy and profitability—while gaining direct exposure to senior leaders, including the Head of the Payment Network Office.

As a Business Analyst  in Payment Network Office, you will be accountable for providing data-driven strategic insights that help drive our international Network strategy.  This includes topics such as network fees, rules, new products, interchange, merchant profitability, and merchant sales trends.  You will also partner across the firm on strategic initiatives that directly drive profitability.  You  will have significant opportunity to network across many different functional groups, geographies, and will have direct exposure to the Head of the JPMC Payment Network Office along with other senior leaders.

Payments is a rapidly evolving, high-profile space and JPMorgan Chase (NYSE: JPM), as one of the industry’s largest and most important players, has an enormous opportunity to shape its future.  The Payment Networks Office is at the nexus of these exciting developments by redefining our relationships with our Network partners (Visa, MasterCard, Discover, American Express, etc.).
 

• Analyzing consumer, merchant, network, and industry data; helping to solve problems and making recommendations for action
• Influencing and shaping strategy international Network strategy
• Validating data; Identifying underlying causes of data discrepancies
• Articulating insights to senior management
• Optimizing existing data environments and creating new datasets
• Proactively identifying ways to improve processes and procedures
• Creating new python scripts to automate operational processes 
• Utilizing AI Agents to help with processing data and automating workflows
• Driving an environment of risk controls; escalating issues to senior management as needed
• Understanding the payments industry and staying abreast of current market environment and trends

• 3+ years of experience in the Consumer Payments industry (Merchant Acquiring, Credit Cards, Debit Cards, or Network Operations)
• 3+ years of experience in data analytics and modeling skills, including strong proficiency with Excel
• Working knowledge of payment network fees and interchange
• Background in billing reconciliations
• Superior attention to details and process / project management skills
• Strong presentation (oral and written) skills.  Ability to articulate complex problems and solutions in a concise and relevant manner to all staff levels, including senior management
• Strong personal time management skills with demonstrated ability to effectively organize tasks and motivate individuals (internal and external) around initiatives
• Working knowledge of Analytical Tools / Coding (SQL, SAS, R, Tableau, Snowflake, Python, AI)

• Background in Consulting, Strategy, Investment Banking or another analytical client services role preferred

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

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.