JPMorgan is hiring for the Payments Analyst role in Bengaluru, India, offering a strong opportunity for fresh graduates and experienced professionals who want to build a career in banking operations, payment systems, and financial analytics. This role is ideal for candidates who are detail-oriented, process-driven, and interested in understanding how large-scale global payment systems operate within one of the world’s leading financial institutions.
About JPMorgan
JPMorgan is a global financial services leader with operations spanning investment banking, commercial banking, payments, asset management, and financial technology. The organization supports millions of transactions daily across global markets, making payments accuracy, compliance, and operational excellence critical. Working at JPMorgan provides exposure to enterprise-scale financial systems, global regulatory standards, and high-impact banking operations.
Role Overview – Payments Analyst
The Payments Analyst role focuses on supporting, monitoring, and improving payment processing activities across banking systems. Analysts work closely with operations, technology, compliance, and client-facing teams to ensure that payments are processed accurately, on time, and in line with regulatory and internal controls.
- Job Title: Payments Analyst
- Employment Type: Full-time
- Experience Level: Freshers / Experienced
- Qualification: Bachelor’s Degree
- Location: Bengaluru, India
- Domain: Payments Operations / Banking Operations / Financial Services
This role offers a strong foundation for long-term careers in banking operations, risk, compliance, and financial analysis.
Purpose of the Payments Analyst Role
The primary purpose of this role is to ensure smooth, accurate, and compliant processing of payment transactions. Payments Analysts help maintain the integrity of high-volume transaction flows, resolve exceptions, and support continuous improvement of payment processes. Their work directly impacts customer satisfaction, regulatory compliance, and operational efficiency.
Key Responsibilities
As a Payments Analyst, your responsibilities typically include:
- Processing and monitoring domestic and international payment transactions
- Ensuring accuracy, timeliness, and compliance in payment processing
- Investigating and resolving payment exceptions, breaks, and rejects
- Coordinating with internal teams to resolve operational issues
- Performing reconciliations and control checks on payment data
- Supporting adherence to regulatory, compliance, and risk standards
- Maintaining documentation and audit trails for payment activities
- Identifying process gaps and suggesting operational improvements
- Responding to internal or client-related payment queries
These responsibilities ensure reliability and trust in large-scale banking payment systems.
Technical and Functional Skills Required
To succeed in this role, candidates should possess:
- Basic understanding of banking operations and payment flows
- Knowledge of financial transactions, settlements, and reconciliations
- Strong proficiency in MS Excel for tracking and reporting
- Ability to work with large datasets and transactional information
- Familiarity with payment systems or banking platforms is an advantage
- Understanding of operational risk and compliance concepts
Prior experience in banking, operations, or financial services is helpful but not mandatory for freshers.
Professional and Soft Skills
In addition to technical knowledge, the following skills are critical:
- Strong attention to detail and accuracy
- Analytical and problem-solving mindset
- Ability to work under deadlines and manage priorities
- Clear communication and coordination skills
- Structured and process-oriented approach
- Ability to work effectively in team-based environments
- Willingness to learn banking regulations and internal policies
These skills help analysts manage high-volume, high-responsibility operations.
Role Views – Day-to-Day Work Experience
On a typical day, a Payments Analyst at JPMorgan may be involved in:
- Reviewing payment queues and transaction statuses
- Validating transaction details and resolving mismatches
- Coordinating with technology or operations teams on system issues
- Handling escalations related to delayed or failed payments
- Performing daily reconciliations and control checks
- Updating trackers, dashboards, and operational reports
- Participating in process review or risk discussions
This daily exposure builds strong operational discipline and domain expertise.
Who Should Apply
This role is suitable for:
- Fresh graduates seeking entry into banking and financial operations
- Early-career professionals with operations or finance exposure
- Candidates interested in payments, settlements, and transaction processing
- Graduates who prefer structured, process-driven roles
- Professionals aiming for long-term careers in financial services
A strong academic foundation and willingness to learn matter more than prior experience.
Work Culture and Learning Environment
JPMorgan offers a professional, high-accountability work environment focused on risk management, accuracy, and operational excellence. Employees work within clearly defined processes while gaining exposure to global banking systems. Continuous learning, compliance training, and performance-driven growth are core parts of the culture.
Career Growth and Progression
Starting as a Payments Analyst can open pathways to roles such as:
- Senior Payments Analyst
- Operations Analyst or Manager
- Risk and Control Analyst
- Compliance or Audit Roles
- Product or Process Specialist in Payments
- Transition into broader banking or finance roles
Consistent performance, domain expertise, and internal mobility opportunities support long-term growth.
How to Apply
Candidates should apply through the official JPMorgan careers portal using the link below. Ensure your resume highlights analytical skills, attention to detail, finance or operations exposure, and ability to work in structured environments.
