Annuity Product Strategy & Income Solutions, Executive Director

📍 Job Overview

Job Title: Executive Director – Annuity Product Strategy & Income Solutions

Company: JPMorgan Chase & Co.

Location: New York, NY, United States

Job Type: Full time

Category: Product Strategy & Operations / Wealth Management Operations

Date Posted: 2026-07-20

Experience Level: 10+ years

Remote Status: On-site

🚀 Role Summary

• Lead the firm’s annuity product innovation and retirement income strategy by identifying emerging market opportunities and evaluating competitive product offerings.

• Drive the firm’s long-term growth strategy within the rapidly evolving retirement income landscape by influencing product development with insurance carrier partners.

• Leverage AI and data-driven insights to identify unmet client needs, optimize product design, evaluate market opportunities, and improve retirement income outcomes.

• Develop and implement a retirement income glidepath framework and build out advisory annuity solutions to support scalable, portfolio-based client outcomes.

📝 Enhancement Note: This role is positioned as an Executive Director, indicating a senior leadership capacity focused on strategic product development and market penetration within the annuity and retirement income sector. The emphasis on AI, data analytics, and advisory solutions suggests a forward-thinking approach to product innovation and client engagement, requiring a blend of financial product expertise and operational execution capabilities.

📈 Primary Responsibilities

• Lead the development and scaling of advisory annuity solutions, ensuring alignment with fee-based and discretionary investment platforms.

• Design and implement robust retirement income glidepath strategies, effectively incorporating annuities with protection and income benefits.

• Identify critical gaps in the current annuity product platform and collaborate proactively with insurance carriers to design differentiated and competitive solutions.

• Develop and execute a comprehensive annuity and retirement income product strategy that aligns with firm-wide objectives and market demands.

• Influence product development across various annuity types, including fixed, indexed, and structured income solutions, to meet diverse client needs.

• Lead the due diligence process for evaluating new annuity products, retirement strategies, and potential carrier partnerships to ensure strategic fit and viability.

• Leverage advanced AI and data analytics to inform product design choices, sophisticated client segmentation, and effective income optimization strategies.

• Serve as a senior relationship lead for key insurance carrier partners, fostering strong collaboration and strategic alignment.

• Engage with carrier executives, product leaders, and actuaries to shape innovation pipelines and co-create next-generation annuity products.

• Represent JPMorgan Chase & Co. in strategic discussions across industry organizations, conferences, and partnerships to enhance the firm's industry standing and influence.

• Develop and deliver compelling retirement income frameworks, positioning strategies, and practical use cases that drive advisor adoption and client engagement.

• Translate complex glidepath and advisory annuity strategies into actionable, client-ready solutions that advisors can readily implement.

• Partner closely with financial advisors and specialist teams to seamlessly integrate income solutions into holistic wealth planning processes.

• Create and oversee the development of educational content focused on income solutions, including thought leadership pieces, training materials, use cases, and detailed portfolio construction guidance for advisors and clients.

• Ensure all messaging and educational content clearly articulates the strategic role of annuities within broader wealth and retirement planning strategies.

• Partner closely with internal teams including product management, advisor platforms, investments, legal, compliance, marketing, and distribution to ensure cohesive strategy execution.

• Support successful product launches, platform integration efforts, and field enablement initiatives to drive adoption and revenue.

• Align product strategy with broader firm initiatives, evolving advisor needs, and client demand for retirement income solutions.

• Monitor industry trends, regulatory developments, and demographic shifts impacting the retirement income landscape.

• Conduct ongoing competitive analysis across annuity products and retirement income solutions to maintain a market-leading offering.

• Contribute to the firm’s thought leadership in retirement income strategy and product innovation through research, publications, and presentations.

📝 Enhancement Note: The responsibilities highlight a strategic product management role with a strong emphasis on market analysis, carrier relationship management, and the operationalization of complex financial products into client-facing solutions. The integration of AI and data analytics underscores a commitment to data-driven decision-making and innovation.

🎓 Skills & Qualifications

Education: Bachelor's degree in Finance, Economics, Business Administration, or a related field. Advanced degrees (MBA, CFA, CFP) are highly preferred.

Experience: Minimum of 10+ years of progressive experience in financial services, with a significant focus on annuity product development, retirement income solutions, wealth management, or product strategy within a large financial institution. Proven experience in managing complex product lifecycles and strategic initiatives.

Required Skills:

• Deep expertise in annuity products (fixed, indexed, variable, structured) and retirement income strategies.

• Proven track record in developing and executing successful product strategies within the financial services industry.

• Strong understanding of wealth management platforms, fee-based advisory models, and discretionary portfolio management.

• Demonstrated ability to build and manage strategic relationships with external partners, particularly insurance carriers.

• Proficiency in leveraging AI, data analytics, and quantitative methods to inform product design, market segmentation, and income optimization.

• Excellent understanding of regulatory environments impacting annuities and retirement planning.

• Exceptional analytical, problem-solving, and critical-thinking skills.

• Strong understanding of portfolio construction and asset allocation principles.

• Effective communication and presentation skills, with the ability to articulate complex financial concepts to diverse audiences (executives, advisors, clients).

• Proven cross-functional leadership and collaboration skills, with the ability to influence stakeholders across various departments.

• Proficiency in market intelligence gathering and competitive analysis. Preferred Skills:

• Experience with AI-driven product development and client segmentation tools.

• Familiarity with financial planning software and advisor technology platforms.

• Demonstrated success in launching new financial products and driving market adoption.

• Experience in developing educational content and thought leadership in retirement income.

• Knowledge of fixed indexed annuities (FIAs) and structured annuities.

• Experience in managing product P&Ls and driving profitability.

📝 Enhancement Note: The experience level and specific focus on annuity products and retirement income solutions indicate a need for a seasoned professional with a blend of strategic product management, deep market knowledge, and strong relationship management capabilities. The emphasis on AI and data analytics suggests a requirement for a candidate who can drive innovation through technology.

📊 Process & Systems Portfolio Requirements

Portfolio Essentials:

• Demonstrate a portfolio of successfully launched or significantly enhanced annuity products, showcasing strategic vision and market impact.

• Provide case studies illustrating the development and implementation of retirement income strategies, highlighting quantitative outcomes and advisor/client adoption metrics.

• Showcase examples of leveraging data analytics or AI in product design, market analysis, or client segmentation for financial products.

• Include documentation or examples of thought leadership content (e.g., white papers, presentations) on retirement income solutions or annuity product innovation.

• Evidence of successful collaboration with external partners (e.g., insurance carriers) in product development or strategic initiatives. Process Documentation:

• Illustrate a structured approach to product lifecycle management, from ideation and market research to development, launch, and ongoing optimization.

• Detail methodologies for conducting thorough due diligence on new products and strategic partners, including risk assessment and financial modeling.

• Provide examples of process workflows for developing and implementing client-facing financial frameworks and educational materials.

• Demonstrate experience with process mapping and optimization techniques to enhance efficiency in product rollout and advisor enablement.

📝 Enhancement Note: For a role at this level, a portfolio should emphasize strategic impact, quantifiable results, and the ability to operationalize complex product strategies. The focus on AI and data analytics means showcasing how technology was integrated into product development and market engagement processes.

💵 Compensation & Benefits

Salary Range: Based on industry benchmarks for Executive Director roles in New York City within financial services, particularly in product strategy and wealth management, the estimated salary range is approximately $180,500 to $285,000 annually. This range reflects the seniority, strategic importance, and specialized expertise required for this position.

Benefits:

• Comprehensive health care coverage, including medical, dental, and vision plans.

• Access to on-site health and wellness centers promoting employee well-being.

• A robust retirement savings plan, likely a 401(k) with employer match, to support long-term financial security.

• Backup childcare services to assist employees with dependent care needs.

• Tuition reimbursement programs to support continuous learning and professional development.

• Dedicated mental health support services and resources.

• Financial coaching and planning assistance to support employees' personal financial goals.

• Discretionary incentive compensation, paid in cash and/or forfeitable equity, awarded based on individual achievements and contributions.

Working Hours: Standard full-time work hours are expected, typically around 40 hours per week. However, given the executive level and strategic nature of the role, flexibility may be required to meet business needs, including occasional extended hours or weekend work for critical projects or market events.

📝 Enhancement Note: The salary range is estimated based on junior Executive Director to senior Executive Director levels for similar roles in New York City, considering the demanding nature of product strategy and the financial services industry. The provided benefits are directly from the job description's general benefits statement for JPMorgan Chase.

🎯 Team & Company Context

🏢 Company Culture

Industry: Financial Services – specifically within Investment Banking, Consumer and Small Business Banking, Commercial Banking, Financial Transaction Processing, and Asset Management. JPMorgan Chase is a global leader with a history spanning over 200 years. The specific division, Asset & Wealth Management, focuses on delivering industry-leading investment management and private banking solutions.

Company Size: JPMorgan Chase & Co. is a large, multinational financial institution, employing tens of thousands of individuals globally. This scale implies extensive resources, established processes, and a complex organizational structure.

Founded: 2004 (JPMorgan Chase & Co. was formed through the merger of J.P. Morgan & Co. and Chase Manhattan Corporation. The firm's roots trace back over 200 years, making it one of the oldest financial institutions in the United States.)

Team Structure:

• This role likely sits within the Annuity Product Strategy or Retirement Income Solutions team, which is part of the broader Asset & Wealth Management division.

• The team is expected to be composed of product specialists, strategists, analysts, and potentially individuals with actuarial or investment backgrounds.

• Reporting will be to a senior leader within the Asset & Wealth Management product or strategy group, with significant cross-functional interaction with distribution, investments, legal, compliance, and marketing teams. Methodology:

• The team likely employs a data-driven approach, utilizing AI and analytics to inform product design, client segmentation, and market opportunity identification.

• Workflow planning and optimization strategies will be critical for developing and launching new annuity products and income solutions effectively.

• Automation and efficiency practices may be applied to streamline product management processes and enhance advisor enablement.

Company Website: https://www.jpmorganchase.com/

📝 Enhancement Note: The company context highlights a stable, reputable, and massive financial institution. For operations roles, this means working within structured environments with established best practices, but also offering opportunities to influence and innovate within a large framework. The scale of operations is substantial, requiring robust process management.

📈 Career & Growth Analysis

Operations Career Level: Executive Director (ED) level. This signifies a senior leadership role responsible for developing and executing high-level strategy within a specialized domain (Annuity Product Strategy & Income Solutions). EDs are expected to drive significant business outcomes, manage complex projects, and influence senior stakeholders across the organization.

Reporting Structure: The role reports to a senior leader within the Asset & Wealth Management division, likely a Managing Director or similar senior executive responsible for product strategy or retirement solutions. The ED will likely manage a team or lead key initiatives, collaborating extensively with peers in distribution, investments, and platform management.

Operations Impact: This role has a direct impact on revenue generation through the development and successful launch of annuity products and retirement income solutions. It influences client acquisition and retention by providing advisors with compelling tools and strategies to meet client retirement needs, thereby enhancing the firm's competitiveness in a critical growth segment of wealth management.

Growth Opportunities:

• Leadership Advancement: Potential to advance into Managing Director roles, overseeing larger product portfolios, broader strategic initiatives, or entire business units within Asset & Wealth Management.

• Specialization Deepening: Opportunities to become a recognized subject matter expert in annuity product innovation, retirement income strategies, or AI-driven financial product development.

• Cross-Functional Leadership: Potential to move into broader leadership roles within product development, GTM strategy, or client solutions across different financial product areas within the firm.

• Industry Influence: Opportunities to contribute to industry standards and thought leadership, enhancing personal and firm reputation.

• Mentorship and Development: Engaging in mentorship programs, both as a mentor and mentee, to foster skills and leadership capabilities.

📝 Enhancement Note: An Executive Director role at a firm like JPMC offers significant strategic influence and substantial growth potential, typically leading to further executive leadership positions or deep specialization as a key subject matter expert. The impact on revenue and client solutions is a critical element for this level.

🌐 Work Environment

Office Type: This is an on-site role, indicating a traditional office-based work environment within JPMorgan Chase's New York City facilities. The environment will likely be professional, corporate, and collaborative, designed for focused work and team interaction.

Office Location(s): New York, NY. This implies working within a major financial hub, offering access to extensive professional networks and resources. Specific office building details would be provided upon hire.

Workspace Context:

• A collaborative environment is expected, with opportunities for direct interaction with colleagues from product management, investments, distribution, legal, compliance, and marketing teams.

• Access to advanced operations tools, technology, and data analytics platforms will be provided to support product strategy development and execution.

• The workspace will likely facilitate regular team meetings, strategic planning sessions, and cross-functional project work.

Work Schedule: While the standard work schedule is typically 40 hours per week, the Executive Director level often requires a degree of flexibility. Employees are expected to be available to meet business demands, which may include occasional extended hours, early mornings, or late evenings, especially during product launches, market events, or critical project phases.

📝 Enhancement Note: The on-site requirement in a major financial center like New York suggests a dynamic, fast-paced corporate environment. Collaboration and access to resources are key aspects, balanced with the expectation of commitment to business needs.

📄 Application & Portfolio Review Process

Interview Process:

• Initial Screening: A recruiter or hiring manager will likely conduct an initial phone screen to assess basic qualifications, experience, and cultural fit. Be prepared to articulate your understanding of the role and your key contributions.

• Hiring Manager Interview: A detailed discussion with the hiring manager focusing on your strategic thinking, product development experience, and leadership capabilities. Be ready to discuss your approach to annuity product innovation and retirement income strategy.

• Panel Interviews: Expect interviews with key stakeholders from various departments (e.g., investments, distribution, legal, compliance). These sessions will assess your ability to collaborate, influence, and understand diverse perspectives. Case studies or scenario-based questions related to product strategy and market challenges may be presented.

• Executive Interviews: For an Executive Director role, interviews with senior leadership (e.g., MDs, Heads of Departments) are common to evaluate strategic vision, long-term impact, and alignment with the firm's overall objectives.

• Portfolio Presentation: A crucial part of the process will involve presenting your professional portfolio. This is where you showcase your achievements, strategic thinking, and ability to drive results in product development and operations.

Portfolio Review Tips:

• Quantify Achievements: For each project or initiative in your portfolio, clearly articulate the problem, your solution, the actions you took, and the measurable results (e.g., revenue growth, market share increase, cost savings, adoption rates). Use data and metrics prominently.

• Highlight Strategic Impact: Emphasize how your work contributed to the company's strategic goals, particularly in product innovation, market expansion, and client solutions.

• Showcase Process Optimization: Detail your role in developing or improving processes related to product development, market analysis, carrier engagement, or advisor enablement.

• Demonstrate AI/Data Integration: If applicable, include examples of how you've leveraged AI, data analytics, or advanced technology to drive product strategy and decision-making.

• Tailor to the Role: Select portfolio items that most closely align with the responsibilities and requirements of the Executive Director – Annuity Product Strategy & Income Solutions role.

• Storytelling: Structure your portfolio presentations as compelling narratives. Explain the context, your unique contributions, and the ultimate business impact.

Challenge Preparation:

• Product Strategy Case Study: Be prepared for a case study where you might be asked to analyze a market scenario, propose a new annuity product, or develop a retirement income strategy for a specific client segment. Focus on your analytical framework, strategic recommendations, and implementation considerations.

• Carrier Negotiation Simulation: You may be asked to role-play a negotiation or strategic discussion with an insurance carrier. Focus on articulating value, understanding partner needs, and reaching mutually beneficial agreements.

• Cross-Functional Alignment: Prepare to discuss how you would align product strategy with different internal departments, addressing potential conflicts or differing priorities.

📝 Enhancement Note: The interview process for an Executive Director role is rigorous and multi-faceted. A strong, well-curated portfolio that demonstrates quantifiable impact and strategic thinking is paramount. Candidates must be prepared to articulate their value proposition clearly and persuasively across various interview formats.

🛠 Tools & Technology Stack

Primary Tools:

• CRM Systems (e.g., Salesforce): For managing relationships with insurance carrier partners, tracking engagement, and supporting sales enablement efforts.

• Product Lifecycle Management (PLM) Software: Tools that aid in managing the end-to-end product development process, from ideation to launch and retirement.

• Data Analytics & Business Intelligence Platforms (e.g., Tableau, Power BI, internal JPMC tools): For market analysis, competitive intelligence, client segmentation, and performance tracking of annuity products.

• AI/Machine Learning Platforms: Tools and frameworks for developing and deploying AI models for product design, client needs prediction, and income optimization.

Analytics & Reporting:

• Advanced Excel: For financial modeling, data manipulation, and creating ad-hoc reports.

• Database Querying Tools (e.g., SQL): To extract and analyze data from various internal systems.

• Reporting Dashboards: Experience with creating and interpreting performance dashboards for key product metrics and market insights.

CRM & Automation:

• Marketing Automation Platforms (e.g., Marketo, Pardot, internal tools): To support the creation and distribution of educational content and thought leadership to advisors and clients.

• Collaboration & Project Management Tools (e.g., JIRA, Asana, Microsoft Teams): For managing cross-functional projects, tracking progress, and facilitating team communication.

• Internal JPMC Systems: Proficiency with proprietary systems for product management, risk assessment, compliance, and client data management will be essential.

📝 Enhancement Note: The technology stack for this role emphasizes data analytics, AI, and robust CRM/PLM systems. A candidate's ability to leverage these tools for strategic decision-making, product innovation, and operational efficiency will be critical. Familiarity with enterprise-level financial services software is expected.

👥 Team Culture & Values

Operations Values:

• Client Focus: A deep commitment to understanding and meeting the evolving needs of clients and advisors in retirement planning, ensuring product offerings are client-centric.

• Innovation & Agility: Encouraging a forward-thinking mindset to leverage AI, data analytics, and new technologies to drive product innovation and adapt to market changes.

• Integrity & Trust: Upholding the highest ethical standards in product development, client interactions, and regulatory compliance, building trust with all stakeholders.

• Excellence & Accountability: Striving for superior performance in product strategy, execution, and market impact, with a clear sense of ownership and accountability for outcomes.

• Collaboration & Partnership: Fostering a collaborative environment where cross-functional teams and external partners (like insurance carriers) work together effectively to achieve shared goals.

Collaboration Style:

• Proactive Cross-Functional Integration: Actively engaging with product management, investments, distribution, legal, and compliance teams to ensure alignment and integrated strategy execution.

• Partnership with Carriers: Establishing and nurturing strong, strategic relationships with insurance carrier partners, viewing them as integral to product innovation and success.

• Advisor-Centric Approach: Working closely with advisor platforms and field teams to ensure product strategies and solutions are practical, adoptable, and valuable to advisors and their clients.

• Knowledge Sharing: Encouraging open communication and the sharing of market insights, best practices, and lessons learned across teams to foster continuous improvement.

📝 Enhancement Note: JPMorgan Chase's culture emphasizes integrity, client focus, and a drive for excellence, common in top-tier financial institutions. For an operations role, this translates to a structured, process-oriented approach with a strong emphasis on compliance, data integrity, and collaborative problem-solving.

⚡ Challenges & Growth Opportunities

Challenges:

• Rapidly Evolving Retirement Landscape: Navigating shifting demographics, changing regulatory environments, and evolving client expectations for retirement income solutions.

• Competitive Market: Differentiating annuity products and income strategies in a highly competitive market with numerous established players and innovative newcomers.

• Carrier Partnerships: Managing complex relationships with insurance carriers, influencing their product development pipelines, and ensuring alignment with firm strategy.

• AI/Data Integration: Effectively integrating AI and advanced data analytics into product design and strategy development, moving beyond traditional approaches.

• Advisor Adoption: Ensuring that newly developed products and strategies are effectively translated into actionable solutions that advisors can readily adopt and utilize with clients.

Learning & Development Opportunities:

• Advanced Analytics & AI Training: Access to specialized training programs to deepen expertise in AI, machine learning, and advanced data analytics for financial product development.

• Industry Conferences & Certifications: Opportunities to attend leading industry conferences (e.g., LIMRA, industry-specific wealth management events) and pursue relevant certifications (e.g., CFA, CFP, CLU) to enhance expertise.

• Executive Leadership Development: Participation in internal leadership development programs designed to hone strategic thinking, executive presence, and management skills.

• Mentorship Programs: Engaging with senior leaders across the firm to gain insights, guidance, and career advice.

• Exposure to Diverse Business Units: Opportunities to collaborate with and learn from various departments within Asset & Wealth Management and other JPMC divisions.

📝 Enhancement Note: The challenges for this role are strategic and market-driven, requiring continuous learning and adaptation. The growth opportunities are substantial, leveraging the firm's resources for professional development and career advancement within the financial services industry.

💡 Interview Preparation

Strategy Questions:

• "Describe your approach to developing a new annuity product strategy for a fee-based advisory platform. What key considerations would you prioritize?" (Focus on market analysis, competitive landscape, client needs, carrier capabilities, and regulatory impact.)

• "How would you leverage AI and data analytics to enhance retirement income solutions and optimize client outcomes?" (Be prepared to discuss specific AI applications like predictive modeling, personalized recommendations, or risk assessment.)

• "Imagine you need to gain buy-in from a key insurance carrier for a novel annuity product feature. How would you approach this negotiation and build a strong partnership?" (Emphasize value proposition, mutual benefit, and collaborative problem-solving.)

• "How do you stay abreast of evolving market trends, regulatory changes, and competitive offerings in the annuity and retirement income space?" (Highlight your methods for market intelligence gathering and continuous learning.) Company & Culture Questions:

• "Based on your understanding of JPMorgan Chase and this role, what do you see as the biggest opportunities and challenges for annuity product strategy within our Asset & Wealth Management division?" (Demonstrate you've researched the company and its strategic priorities.)

• "Describe a time you had to influence stakeholders with differing priorities to align on a strategic product decision. How did you manage their concerns and achieve consensus?" (Focus on collaboration, communication, and persuasive reasoning.)

• "How do you ensure that product strategies are not only innovative but also compliant and operationally sound within a large financial institution?" (Highlight your understanding of risk management, legal, and compliance processes.) Portfolio Presentation Strategy:

• Structure Your Narrative: For each portfolio example, clearly state the objective, your role and contributions, the methodology/process you employed, the key challenges you overcame, and the quantifiable results achieved.

• Highlight Key Metrics: Focus on metrics that demonstrate business impact, such as revenue growth, market share, client adoption rates, efficiency gains, or risk mitigation.

• Showcase Strategic Thinking: Explain the "why" behind your decisions and how your work contributed to broader organizational goals.

• Demonstrate Adaptability: If applicable, show how you adapted strategies based on market feedback, data insights, or changing business conditions.

• Prepare for Q&A: Anticipate questions about your process, decisions, and the impact of your work. Be ready to elaborate on specific details and defend your strategic choices.

📝 Enhancement Note: Interview preparation for this role should focus on demonstrating strategic product leadership, deep market expertise in annuities and retirement income, and strong analytical capabilities, particularly with AI and data. The ability to influence, collaborate, and present a compelling portfolio are critical success factors.

📌 Application Steps

To apply for this operations position:

• Submit your application through the provided Oracle Cloud portal link (https://jpmc.fa.oraclecloud.com/hcmUI/CandidateExperience/en/sites/CX_1001/job/210770684).

• Curate Your Portfolio: Select 3-5 key projects or initiatives that best showcase your expertise in annuity product strategy, retirement income solutions, carrier engagement, and AI/data-driven product development. Quantify your achievements with specific metrics and clearly articulate your strategic impact.

• Optimize Your Resume: Tailor your resume to highlight experience directly relevant to the job description, using keywords such as "annuity product strategy," "retirement income," "AI in finance," "carrier engagement," and "wealth management." Quantify achievements where possible.

• Prepare Your Narrative: Practice articulating your experience and portfolio highlights concisely and persuasively. Be ready to discuss your strategic approach, problem-solving skills, and leadership style during interviews.

• Research JPMorgan Chase: Understand the company's mission, values, and strategic objectives within Asset & Wealth Management. Familiarize yourself with their recent performance and any public statements regarding retirement solutions or product innovation.

⚠️ Important Notice: This enhanced job description includes AI-generated insights and operations industry-standard assumptions. All details should be verified directly with the hiring organization before making application decisions.