Head of Payments Performance (Product)

CLEAR; New York (NY); On-site; USD 234,000 - 275,000; Full time

Benefits offered by this job

Healthcare plans

Fertility & adoption support

401(k) with employer match

Wellness stipend

OneMedical membership

Job summary

CLEAR is shaping the future of secure identity and payments. The Director, Payments Performance will own money movement, improving authorization, recovery, fraud and cost of acceptance at scale.

You’ll collaborate with Product, Engineering, and Analytics to transform insights into strategy and measurable outcomes. You’ll drive cross-functional partnerships with processors, networks, and issuers, while leading experiments that balance revenue, risk, and user experience across new products and

Qualifications

• 10+ years of deep payments experience on the merchant or acceptance side of a high-volume consumer or subscription business.
• Expert knowledge of card payment economics and transaction lifecycles.
• Turning complex payment data into action with data and SQL to drive product decisions.
• Influencing across the payments ecosystem with processors, networks, and issuers.
• Strong product and commercial judgment to ship improvements and run experiments.

Responsibilities

• Own CLEAR’s payment performance end to end, driving first-attempt authorization, renewal recovery, involuntary churn, fraud and chargeback performance, false-positive rates, and effective cost of acceptance.
• Diagnose performance across issuers, networks, card types, wallets, channels, and Member cohorts; establish a single source of truth for payments performance and translate decline patterns into clear, prioritized opportunities.
• Define and drive CLEAR’s authorization and recovery roadmap with Product, Engineering, and Analytics, optimizing retry and dunning strategies, network tokens and account updater, stored credentials, transaction messaging, routing, wallets, fraud controls, and authentication.
• Lead CLEAR’s performance relationships with processors, card networks, and issuers, holding partners accountable to benchmarks, resolving systemic approval issues, and evaluating opportunities across routing, acquiring, and processor strategy.
• Partner across Product, Finance, Analytics, Engineering, and Member Support to run rigorous experiments, balance approval gains with fraud and dispute exposure, improve payment economics, and evolve CLEAR’s payments strategy as we expand into new products, partners, and markets.

Skills

Payments strategy

Authorization optimization

Fraud & disputes

SQL analytics

Cross-functional leadership

Card networks & issuers

Tools

SQL

Job description

CLEAR is shaping the future of secure identity and payments. The Director, Payments Performance will own money movement, improving authorization, recovery, fraud and cost of acceptance at scale.

You’ll collaborate with Product, Engineering, and Analytics to transform insights into strategy and measurable outcomes. You’ll drive cross-functional partnerships with processors, networks, and issuers, while leading experiments that balance revenue, risk, and user experience across new products and