Lead Solutions Analyst- Technical Business Analyst

Job Description
Are you ready to elevate your career in the dynamic world of credit card lending? Join our team at JPMorgan Chase, where your expertise in credit card processes will drive innovation and make a significant impact. We offer unparalleled opportunities for career growth and a collaborative environment where you can thrive and contribute to meaningful projects.
As a Business Analyst at JPMorgan Chase within the Accelerator Business, you will work closely with Product, Technology, and Client teams to define business requirements and support product delivery. You will collaborate with stakeholders to gather and translate business requirements, build configurable LMS for multi-bank and fintech use cases, and perform gap analysis between existing systems and new product requirements.
Job Responsibilities:

• Collaborate with Product Managers, Technology Teams, and Client Stakeholders to gather, document, and translate business requirements into clear BRDs, User Stories, and Functional Specifications.
• Work with product teams to build configurable LMS that support multi-bank and fintech use cases.
• Define "as-is" and "to-be" business processes and perform gap analysis between existing systems and new product requirements.
• Act as a subject matter expert (SME) in revolving credit, installment loans, and balance transfers.
• Define business rules for charge-offs, including criteria for write-offs, recovery strategies, and compliance reporting.
• Partner with product and engineering teams to help design and build products aligned with business objectives.
• Support UAT testing, production rollout, and post-launch issue resolution.
• Document process flows, data mappings, and business logic for technical and non-technical audiences.

Required Qualifications, Capabilities, and Skills:

• 6 years of experience as a Business Analyst in the Credit Card domain.
• Expertise in credit card lending workflows, including delinquency management and charge-offs.
• Hands-on experience in managing recurring billing, installment plans, and interest computation models.
• Experience in EMIs, balance transfers, and revolving credit product pricing.
• Knowledge of industry-specific regulations and standards.
• Strong skills in writing BRDs, FSDs, User Stories, and Process Flows.
• Experience working in Agile environments with tools like Jira, Confluence.
• Excellent communication and stakeholder management skills.

Preferred Qualifications, Capabilities, and Skills:

• Experience in Buy Now, Pay Later (BNPL) products.
• Familiarity with Financial Models of credit cards and Accounting implications.
• Understanding of transaction lifecycle - authorizations, clearing, settlements, chargebacks, refunds.
• Familiarity with Rewards, Loyalty Programs, or Subscription Billing Systems.

About Us
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.
About the Team
Our professionals in our Corporate Functions cover a diverse range of areas from finance and risk to human resources and marketing. Our corporate teams are an essential part of our company, ensuring that we're setting our businesses, clients, customers and employees up for success.
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.