Product Solutions, Payment Optimization (Routing)-Payments-Vice President

Testing Site - JPMC; Plano (TX); On-site; USD 210,000 - 270,000; Full time

Job summary

Testing Site - JPMC in Plano, TX seeks a strategic Product Solutions VP in Merchant Services to design end-to-end routing strategies across debit networks and rails, balancing merchant preferences, issuer behavior, and cost.

You will partner with product, technology, and sales to drive adoption, define vision, success metrics, and go-to-market plans, while engaging customers to capture opportunities and position JPMorgan as a payments innovator.

Qualifications

• 7+ years of payments experience across product management, solutions engineering/consulting, payments implementations/integrations, or network/scheme enablement
• Strong understanding of debit payment economics, including interchange mechanics and network costs
• Experience building or enabling routing/orchestration logic and tradeoffs
• Ability to translate complex network, scheme, and regulatory requirements into clear product/technical execution
• Proven track record bringing new product concepts from inception to launch, including customer journeys and requirements
• Strong customer-facing communication skills to drive alignment across technical and business stakeholders
• Passion for payments innovation and trends shaping optimization
• P&L ownership, setting business objectives, and driving commercial outcomes

Responsibilities

• Own the end-to-end strategy and roadmap for a smart routing and multi-rail orchestration product in Merchant Services
• Design routing decision logic across PIN/PINless networks, local payment methods, Visa/Mastercard rails, and emerging rails
• Build routing strategies balancing merchant preferences, issuer behavior, network rules, and cost/economics
• Define product vision, market positioning, success metrics, and business cases tied to approval rates and performance
• Serve as SME on debit routing, scheme connectivity, and routing mandates
• Partner with engineering, compliance, risk, operations, and commercial teams for successful execution
• Engage customers and partners to collect feedback and drive adoption
• Contribute to broader payment optimization initiatives across authentication, tokenization, and authorization

Skills

Payments experience

Product management

Stakeholder communication

Routing/orchestration experience

Job description

You are a strategic and analytical thinker, passionate about delivering innovative solutions to clients. You thrive in dynamic environments, collaborating across teams to drive impactful results. If you are ready to unlock your potential and shape the future of product solutions, you have found the right team.

As a Product Solutions Vice President in Merchant Services, you are an expert at the intersection of products and the sales cycle. You leverage your deep understanding of customer needs to craft complex solutions, partner with Product and Sales to identify and capture market opportunities, and create new ways for teams to continuously deliver value to customers.

In this role, you will collaborate across product, technology, and architecture within the payments space, driving customer‑centric strategies and business outcomes. You will influence the product development cycle, develop comprehensive solution requirements, and utilize industry‑leading tools to support go‑to‑market initiatives. Your expertise will help shape the future of payments through value‑added services and innovative product adoption

Job Responsibilities

• Own the end-to-end strategy and roadmap for a smart routing and multi‑rail orchestration product in the Merchant Services business

• Design routing decision logic across PIN / PINless debit networks (e.g.,, PULSE, STAR), local methods of payment (e.g., Carte Bancaire, EFTPOS), Visa / Mastercard rails, and emerging alternative rails where applicable

• Build routing strategies that balance merchant preferences, issuer behavior, network rules, regulatory requirements, transaction economics (e.g., interchange, scheme / network fees) and fallback / resiliency needs

• Define product vision, market positioning, success metrics, and business cases tied to approval rate lift, cost savings, and performance

• Serve as a subject matter expert on debit routing, scheme connectivity, network economics, and routing mandates (e.g., Durbin‑style requirements where applicable)

• Partner closely with engineering, compliance, risk, operations, and commercial teams to ensure successful execution and launch

• Engage customers and partners to collect feedback, drive adoption, and strengthen JPMorgan’s position as a thought leader

• Contribute to broader payment optimization initiatives beyond routing, ensuring a connected solution across capabilities such as authentication, tokenization vault, and authorization optimization

Required Qualifications, Skills, and Capabilities

• 7+ years of experience in payments, with a background in product management, solutions engineering / consulting, payments implementations / integrations, or network / scheme enablement

• Strong understanding of debit payment economics, including interchange mechanics, scheme /network assessments, processing / acquirer cost structures, and how routing impacts merchant cost and provider margin

• Demonstrated experience building or enabling routing / orchestration logic, including cost vs approval rate tradeoffs, network preference logic, and fallback strategies

• Strong ability to translate complex network, scheme, and regulatory requirements into clear product and technical execution

• Proven track record bringing new product concepts from inception through successful commercial launch, including developing customer journeys, personas, and requirements

• Strong customer‑facing communication skills and the ability to drive alignment across technical and business stakeholders

• Passion for payments innovation, with a clear point of view on trends shaping the payments optimization landscape

• Show comfort with P&L ownership, setting business objectives, and driving commercial outcomes

FEDERAL DEPOSIT INSURANCE ACT:

This position is subject to Section 19 of the Federal Deposit Insurance Act. As such, an employment offer for this position is contingent on JPMorganChase’s review of criminal conviction history, including pretrial diversions or program entries.