European Lending Product Director (All Genders)
Job description
European Lending Product Director
As a Product Manager within JPMorganChase’s International Consumer Bank, you will shape the product strategy and roadmap for unsecured lending capabilities for EU expansion via a single platform and market-specific overlays (e.g., regulatory, disclosures, credit policy inputs, language/content, and operational variations). You will partner closely with engineering, design/content, controls, and market stakeholders to deliver scalable, cloud-native platform capabilities and seamless customer journeys through the full PDLC.
Key responsibilities You will be accountable for defining the strategy, shaping the roadmap, and delivering end-to-end capabilities for unsecured lending across EU expansion markets, using a core platform-and-overlays approach.
Define and drive the product strategy and roadmap, balancing the requirements of markets specific asks and single scalable platform across markets.
Ensure origination, repayments, servicing, and customer support and collections capabilities are designed for reuse across EU markets, in partnership with other teams.
Write requirements and acceptance criteria for prioritized products & features, collaborating with markets, design/content, platform and controls to ensure solutions are desirable, usable, feasible and viable.
Be accountable for product outcomes, prioritisation and end to end delivery, working with engineering, platform, design, controls, data, operations and market stakeholders
Engage with market stakeholders to drive product performance, defining product OKRs, identifying weaknesses and prioritising improvements based on customer and performance data.
Manage vendors and third-party dependencies where applicable, ensuring they meet SLAs while controlling costs.
Accountability for controls, ensuring that we continue to meet firmwide standards to manage risk and regulatory obligations.
Required qualifications, capabilities, and skills
The successful candidate will demonstrate the following.
European unsecured lending expertise, with deep experience in Personal Loans and other unsecured lending products including Credit Cards/Overdraft/BNPL/POS finance
Strong understanding of relevant European regulatory and conduct obligations for unsecured consumer lending products.
Experienced product manager with a track record of delivering against a product roadmap in a complex, cross-functional environment.
Strong product/platform acumen and experience partnering with engineering to build scalable, cloud-native services (API-led, microservices-oriented).
Proven leadership and stakeholder management at senior levels; able to explain decisions clearly, logically, empathetically but firmly.
Preferred qualifications
The following are advantageous.
Multi-market European launch/scale experience for unsecured lending products.
Data analysis and modelling expertise, translating customer/portfolio data into product insights and prioritisation.
Experience managing existing and new vendor contracts