Director, RTP Product Management

The Clearing House; Charlotte (NC); Hybrid; USD 180,000 - 260,000; Full time

Job summary

The Clearing House seeks a Director of RTP Business Product Management in Charlotte to translate strategy into focused product plans and market opportunities. You will own RTP use cases, lead discovery, build business cases, and drive launches in collaboration with Sales, Marketing, and Compliance.

You will guide cross‑functional teams through pilots, launch readiness, and commercialization while applying a strong risk mindset and using data to optimize outcomes.

Qualifications

• Bachelor’s degree in finance, business, economics, or related discipline.
• 8+ years of progressive product management experience in payments/fintech.
• Strong understanding of payment products, operations, technology, and market dynamics.
• Demonstrated ability to conduct customer and market discovery, identify and validate needs, build business cases, prioritize work, and translate strategy into executable plans and measurable outcomes.
• Strong analytical and financial acumen, with the ability to use data to drive decisions and measure performance.
• Excellent written, verbal, and presentation skills.

Responsibilities

• Translate the RTP strategy into focused product plans and roadmaps grounded in validated customer and market needs.
• Own assigned opportunities through the product lifecycle, including discovery, business case development, requirements, prioritization, pilot, and launch.
• Lead market discovery and customer engagement with financial institutions, corporate users, technology providers, fintechs, and other stakeholders to identify unmet needs and shape solutions.
• Develop clear product positioning, value propositions, launch approaches, and enablement for assigned use cases and verticals with cross‑functional partners.
• Use market, customer, product, volume, financial, and adoption data to recommend priorities and actions that improve business outcomes.
• Partner with Legal, Risk, and Compliance to identify and address product and market risks and ensure regulatory alignment.
• Lead cross‑functional initiatives, pilots, proofs of concept, and launch readiness activities with clear milestones and ownership.
• Track competitive, regulatory, technology, and industry developments and translate insights into product and commercialization recommendations.
• Contribute to a market‑driven product management culture focused on accountability and customer outcomes.

Skills

Product management

Payments knowledge

Analytical skills

Stakeholder influence

Regulatory awareness

Strategic thinking

Education

Bachelor’s degree in finance, business, economics

Job description

Position Summary:

The Director, RTP Business Product Management is responsible for translating the RTP strategy into focused product plans, use cases, and market opportunities that drive customer value and network adoption. Reporting directly to the SVP, Head of RTP, this individual owns one or more defined RTP use cases and/or industry verticals and leads the work from market discovery through prioritization, launch and commercialization.

Essential Functions and Responsibilities:

• Translate the RTP strategy into focused product plans and roadmaps for assigned use cases and/or industry verticals, grounded in validated customer and market needs.
• Own assigned opportunities through the product lifecycle, including discovery, business case development, detailed requirements, prioritization, pilot, and launch.
• Lead market discovery and customer engagement with financial institutions, corporate users, technology providers, fintechs, and other stakeholders to identify unmet needs, validate problems, and shape differentiated solutions.
• Develop clear product positioning, value propositions, launch approaches, and enablement for assigned use cases and verticals in partnership with Sales, Client Relationship Management, Marketing, and other commercialization partners.
• Use market, customer, product, volume, financial, and adoption data to recommend priorities, evaluate opportunities, monitor performance, and recommend actions that improve business outcomes.
• Partner closely with interdependent teams to ensure business requirements, customer needs, dependencies, and market priorities are clearly articulated and translated into high-quality solutions.
• Lead cross-functional product initiatives, pilots, proofs of concept, and launch-readiness activities, creating clarity on decisions, milestones, dependencies, risks, owners, and expected outcomes.
• Apply a first-line risk mindset throughout the product lifecycle, including rules definition, compliance, controls, and enforcement; partner with Legal, Risk, and Compliance to identify and address product and market risks.
• Track competitive, regulatory, technology, and industry developments affecting assigned use cases and verticals and translate relevant insights into product and commercialization recommendations.
• Contribute to a disciplined, market-driven product management culture focused on accountability, collaboration, customer outcomes, and measurable adoption.

Qualifications Required:

• Bachelor’s degree in finance, business, economics, or a related discipline; or an equivalent combination of education and experience.
• 8+ years of progressive product management experience, preferably in payments, banking, fintech, or financial services, with demonstrated ownership of complex product or market initiatives.
• Strong understanding of payment products, operations, technology, and market dynamics; instant or faster payments experience strongly preferred.
• Demonstrated ability to conduct customer and market discovery, identify and validate needs, define product opportunities, build business cases, prioritize work, and translate strategy into executable plans and measurable outcomes.
• Strong analytical and financial acumen, with the ability to use customer, market, product, volume, revenue, and adoption data to make decisions and measure performance.
• Proven risk maturity to understand, articulate, manage, and mitigate product and market risks.
• Excellent written, verbal, and presentation skills, with the ability to influence across business, technical, customer, and senior leadership audiences.

Qualifications Desired:

• Knowledge of, or experience working within, the Pragmatic Product Management framework or a comparable market-driven product discipline.
• Experience leading a product, use case, or vertical from discovery and business case through launch, commercialization, adoption, and enhancement.
• Experience with product positioning, value propositions, and customer adoption strategies.
• Experience engaging financial institutions, corporate users, technology providers, fintechs, industry groups, or strategic partners.
• Experience translating industry or vertical-specific payment workflows into product opportunities and business cases.
• Strong working knowledge of product analytics, reporting, presentation, and collaboration tools.

Physical Demands and Work Environment:

The working environment is generally favorable. Lighting and temperature are adequate, and there are no hazardous or unpleasant conditions caused by noise, dust, etc. Work is generally performed within an office environment, with standard office equipment available. Candidates will report to the office three days each week. Occasional travel is expected.

About The Clearing House:

The Clearing House Payments Company L.L.C. is a bank-owned industry utility that shapes the payments landscape and provides infrastructure for safe, reliable, and efficient payments. We see an economy where everyone is connected and a future where modern payments make life easier. The Clearing House operates four payment systems: a high-value wire-transfer system (the CHIPS network), the country’s first and largest instant payments system (the RTP network), an automated clearinghouse network (the EPN network), and a check image exchange network (the Image Exchange Network). TCH also operates a bank account number tokenization service, runs a payments association known as the TCH Payments Authority, and maintains the rules for private-sector check image exchange through its ECCHO business line.