Description

Unleash your expertise in product development and optimization by leveraging user research, analyzing metrics, and collaborating across one of the world's most innovative financial organizations. Unleash your expertise in API product delivery and AI-enabled feature development by partnering with engineering teams to ship reliable, scalable transaction products for servicing agents, digital channels, and enterprise customers. Own the end-to-end product delivery lifecycle-from requirements and user stories through release coordination-across fast-moving, cross-functional teams. Translate complex stakeholder needs from large institutional customers into crisp acceptance criteria and backlog items that engineering can execute with precision and speed.
Monitor API performance, production metrics, and platform health to inform prioritization decisions and maintain the reliability our customers depend on. Join a team at the forefront of modernizing core banking infrastructure-where your delivery contributions directly impact tens of millions of consumer accounts.

As a Senior Product Associate in Enhanced Transaction Utility (ETU), Consumer & Community Banking, you contribute to the team by leveraging your expertise in product development and optimization to make a significant impact, supported by user research and customer feedback to fuel the creation of innovative products and continuously improve existing offerings. Collaborate closely with cross-functional teams and play a crucial role in shaping the future of our products and ongoing success. You will be the connective tissue between engineering, business stakeholders, and institutional customers-translating needs into delivery and delivery into measurable outcomes. This role sits at the center of a high-visibility API modernization program supporting digital channels, servicing agents, and third-party integrators across the Chase ecosystem. If you are energized by execution, API ecosystems, and AI-enabled products in a complex financial services environment, this role offers scope and impact that few associate-level positions can match.

The Enhanced Transaction Utility (ETU) platform powers transaction history for 38 million+ consumer checking accounts, delivering the data that drives Chase's digital banking experience across mobile, online, and servicing channels. As a Senior Product Associate, you will be embedded within a dual-team engineering model spanning Wilmington, DE and Bangalore, India, managing backlogs, coordinating dependencies, and driving delivery milestones across a high-stakes program. The role requires you to be technically fluent in REST APIs, API versioning, and event-driven product concepts-and equally capable of presenting clear, stakeholder-ready narratives to business and technology leadership. You will contribute to the integration of AI-enabled capabilities into platform tooling and product features, with opportunities to shape how the team uses emerging technologies to improve delivery velocity and product quality. Candidates who thrive here bring a bias for action, comfort with ambiguity, and a track record of shipping products in complex, enterprise-scale environments.

Job responsibilities

• Partners with the Product Manager to identify new product opportunities that reflect the needs of our customers and the market through user research and discovery
• Considers and plans for upstream and downstream implications of new product features on the overall product experience
• Supports the collection of user research, journey mapping, and market analysis to inform the strategic product roadmap and provide insight on potential product features that provide value to customers
• Analyzes, tracks, and evaluates product metrics including work to time, cost, and quality targets across the product development life cycle
• Writes the requirements, epics, and user stories to support product development
• Develop and maintain product roadmaps for digital utilities, prioritizing API and AI initiatives based on business value and user needs.
• Own end-to-end delivery of API products - define requirements, manage the backlog, coordinate releases, and ensure timely, high-quality execution across distributed engineering teams. Translate business and stakeholder needs into clear user stories, epics, and acceptance criteria for API endpoints and AI-enabled product features. Partner with engineering on API design, monitoring, SLA adherence, and incident response to ensure platform reliability and performance.
• Drive alignment across cross-functional stakeholders-servicing teams, digital channel owners, compliance, and enterprise customers-to maintain shared priorities and clear delivery commitments.
• Lead user acceptance testing and partner onboarding for internal and external integrators adopting API products. Monitor product performance metrics and usage analytics, identify gaps, and drive continuous improvement of features and delivery processes. Partners with the Product Manager to identify new product opportunities that reflect the needs of our customers and the market through user research and discovery.
• Considers and plans for upstream and downstream implications of new product features on the overall product experience. Supports the collection of user research, journey mapping, and market analysis to inform the strategic product roadmap and provide insight on potential product features that provide value to customers.
• Analyzes, tracks, and evaluates product metrics including work to time, cost, and quality targets across the product development life cycle. Writes the requirements, epics, and user stories to support product development.

Required qualifications, capabilities, and skills

• 3+ years of experience or equivalent expertise in product management or a relevant domain area
• Proficient knowledge of the product development life cycle
• Experience in product life cycle activities including discovery and requirements definition
• Developing knowledge of data analytics and data literacy
• Experience with RESTful APIs, API lifecycle management, and documentation best practices.
• Hands-on familiarity with API technologies and concepts such as REST, JSON, OAuth, and OpenAPI/Swagger specifications.
• Proven ability to write clear user stories, acceptance criteria, and backlog items in an Agile or SAFe delivery environment.
• Experience managing delivery across cross-functional engineering teams and enterprise stakeholders in a complex, matrixed organization.
• Comfortable operating in an execution-focused, fast-paced environment with multiple concurrent workstreams and shifting priorities.

Preferred qualifications, capabilities, and skills

• Understanding of machine learning concepts, model deployment, and integration with digital products.
• Experience integrating or defining requirements for AI/LLM-enabled product features-such as AI-assisted search, summarization, or automated workflows.
• Domain knowledge in financial services, digital banking, payments, or transaction data products.
• Familiarity with API governance, API gateways (Apigee, Kong, Envoy), or developer portals.
• Data analytics proficiency in SQL, product analytics tools (Amplitude, Google Analytics), or instrumentation experience.
• Prior experience managing products for large enterprise or B2B customers with multi-stakeholder integration requirements.
• Exposure to phased production rollouts, canary releases, or go/no-go governance frameworks for high-availability systems. BA/BS in Computer Science, Engineering, Business, or a related field, or equivalent practical experience.

About Us

Chase is a leading financial services firm, helping nearly half of America's households and small businesses achieve their financial goals through a broad range of financial products. Our mission is to create engaged, lifelong relationships and put our customers at the heart of everything we do. We also help small businesses, nonprofits and cities grow, delivering solutions to solve all their financial needs.

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.

Equal Opportunity Employer/Disability/Veterans

About the Team

\n Our Consumer & Community Banking division serves our Chase customers through a range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. We're proud to lead the U.S. in credit card sales and deposit growth and have the most-used digital solutions - all while ranking first in customer satisfaction.\n
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\n 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.\n