JAY PANDYA
London
Summary
Strategic product leader with over 19 years of experience at J.P. Morgan, specializing in payments, liquidity, treasury, and balance sheet management. Demonstrated success in product lifecycle ownership, stakeholder leadership, and regulatory compliance, delivering scalable financial products for wholesale clients. Expertise in liquidity and cash management within EMEA and global markets.
Overview
19
19
years of professional experience
Work History
Vice President – Product Manager, EMEA Liquidity & Deposit Management
J.P. Morgan
London
06.2024 - Current
- Own product strategy and roadmap for EMEA Liquidity, Prepaid Card and Escrow deposit products supporting wholesale clients.
- Lead end-to-end product lifecycle: discovery, business case, backlog prioritization, delivery, launch and post-launch optimization.
- Act as the voice of the customer, translating treasury and cash management needs into scalable product solutions.
- Partner with Sales, Treasury, Technology, Operations, Legal, Risk and Finance to deliver compliant and resilient products.
- Conducted market and client research to identify gaps in liquidity and deposit solutions, integrating findings into product roadmap.
- Own and maintain the product backlog, ensuring alignment with strategic priorities and regulatory commitments.
- Developed and monitored product success metrics, focusing on revenue, cost, adoption, risk posture, operational stability, and client experience.
- Lead pricing governance and commercial optimization of deposit and liquidity accounts across EMEA.
- Managed regulatory engagement with PRA and internal audit teams to ensure transparency and understanding of product compliance.
- Support New Business Initiative Approvals (NBIA) from a product and financial governance perspective.
- Ensure liquidity products integrate into the wider Payments and CIB cash and investment management ecosystem.
Vice President – EMEA Payments Product Control
J.P. Morgan
London
02.2019 - 05.2024
- Lead for Liquidity, Prepaid Card and Escrow products within the EMEA Payments business.
- Managed month-end close process, conducted revenue analysis, tracked balance sheet movements, and explained business performance.
- Partnered with Financial Control teams in Delaware and Mumbai to ensure accurate EMEA Payments P&L and balance sheet reporting.
- Led monthly payments forecasting process with Business Managers and Product partners.
- Established and nurtured partnerships with EMEA Payments business, Business Management, Financial Control, and regional stakeholders to enhance collaboration.
- Coordinated with Product Managers and Sales on account pricing and commercial governance.
- Managed product control impacts from legal entity and regulatory changes.
- Delivered regulatory variance commentary to PRA and other regulators while facilitating audits and reviews.
- Ensured rigorous compliance with P&L minimum standards and control policies.
- Key participant in Internal Audit, Risk reviews and New Business Initiative Approvals (NBIAs).
- Contributed to major Payments transformation initiatives including GLASS, GLE takedown, Liquidity Central and client migrations.
Senior Associate – Fixed Income Financing Balance Sheet & Liquidity Controller
J.P. Morgan
London
08.2017 - 01.2019
- Owned balance sheet, liquidity and capital reporting for Fixed Income Financing business.
- Led forecasting and reporting processes, providing analysis for senior management decision-making.
- Partnered with front office, treasury and corporate teams to elucidate business drivers affecting liquidity.
- Implemented enhanced controls ensuring regulatory reporting accuracy.
- Developed in-depth understanding of system feeds impacting liquidity and capital metrics.
Senior Associate – CIB Treasury
J.P. Morgan
New York, USA
05.2016 - 07.2017
- Led CCAR/DFAST liquidity and balance sheet stress forecasting for the Corporate & Investment Bank.
- Developed liquidity forecasts to inform firm-wide capital planning.
- Provided senior-management analytics and regulatory reporting to support decision-making.
- Collaborated with LOBs to validate assumptions and uphold regulatory compliance.
Associate – Central Planning & Analysis
J.P. Morgan
New York, USA
08.2012 - 04.2016
- Developed and validated projection methodologies in collaboration with modelling teams to enhance forecasting precision.
- Managed CCAR revenue and expense stress projections for Banking and Markets, ensuring accuracy and compliance.
- Assisted senior management with forecasting and regulatory responses, contributing to informed decision-making and strategy.
Control Analyst – Daily Revenue Reporting
J.P. Morgan
Mumbai, India
12.2007 - 07.2012
- Produced daily revenue analytics to inform strategic decision-making for Corporate & Investment Bank.
- Delivered comprehensive management reporting and attribution analysis to support performance evaluation.
- Led system migration and integration of Bear Stearns, enhancing operational capabilities.
Education
Bachelor of Commerce - Accounting
Mumbai University
MumbaiSkills
- Liquidity and deposit products
- Treasury and cash management
- Regulatory and risk governance
- Product strategy and roadmap
- Market research and product discovery
- Liquidity management
- Backlog ownership and prioritization
- Product metrics and performance frameworks
- Agile delivery methodologies
- Stakeholder management
Languages
English
Hindi
Gujarati
Marathi
Websites, Portfolios and Profiles
http://www.linkedin.com/in/jay-p-pandya
Timeline
Vice President – Product Manager, EMEA Liquidity & Deposit Management
J.P. Morgan
06.2024 - Current
Vice President – EMEA Payments Product Control
J.P. Morgan
02.2019 - 05.2024
Senior Associate – Fixed Income Financing Balance Sheet & Liquidity Controller
J.P. Morgan
08.2017 - 01.2019
Senior Associate – CIB Treasury
J.P. Morgan
05.2016 - 07.2017
Associate – Central Planning & Analysis
J.P. Morgan
08.2012 - 04.2016
Control Analyst – Daily Revenue Reporting
J.P. Morgan
12.2007 - 07.2012
Bachelor of Commerce - Accounting
Mumbai University