VP, RTP Business Product Management

PAYCO The Clearing House Payments Company L.L.C.; Charlotte (NC); On-site; USD 230,000 - 320,000; Full time

Job summary

The Clearing House Payments Company L.L.C. is seeking a VP of RTP Business Product Management to shape real-time payments strategy and translate market needs into differentiated RTP products and capabilities.

You will own lifecycle activities from discovery through launch, adoption, and optimization, partnering across Sales, Marketing, Risk, and Technology to deliver measurable value for financial institutions and customers.

Qualifications

• Bachelor's degree in finance, business, economics, or related discipline.
• 10+ years of progressive product management experience, preferably in payments, banking, or financial services.
• Strong understanding of payment products, operations, technology, and market dynamics.
• Excellent written, verbal, and presentation skills.
• Proven risk maturity to understand, articulate, manage and mitigate risks.

Responsibilities

• Translate the RTP strategy into market-driven product plans and roadmaps grounded in validated customer and market needs.
• Lead RTP products through the full lifecycle, including discovery, business case development, requirements, prioritization, launch, commercialization, adoption, and end-of-life decisions.
• Drive market discovery and customer engagement with financial institutions, corporate users, technology providers, and other stakeholders to identify opportunities and shape differentiated solutions.
• Develop clear product positioning, value propositions, launch approaches, and enablement in partnership with Sales, Client Relationship Management, Marketing, and other commercialization partners.
• Use market, customer, product, volume, and financial data to establish priorities and inform investment decisions.
• Partner with RTP Technical Product Management, Technology & Operations to ensure requirements are translated into high-quality solutions.
• Lead cross-functional product initiatives, pilots, proofs of concept, and launch readiness activities.
• Apply a first-line risk mindset throughout the product lifecycle with Legal, Risk, and Compliance.

Skills

Product management leadership

Payments industry knowledge

Strategic planning

Analytical skills

Risk management mindset

Communication skills

Education

Bachelor's degree in finance, business, economics

Job description

Position Summary

The VP, RTP Business Product Management plays a key leadership role in shaping the future of real-time payments at The Clearing House. Reporting to the Head of RTP, this leader translates market needs and enterprise strategy into differentiated RTP products, capabilities, and use cases that expand adoption and deliver measurable value for financial institutions and their customers. The VP has broad responsibility for specific market segments and ownership of assigned products, or capabilities, across the lifecycle - from market discovery and business case development through prioritization, launch, commercialization, adoption, and ongoing optimization.

Operating within a Pragmatic Product Management framework, the VP brings together customer insight, data, and deep payments expertise to identify the right problems to solve and turn them into clear product strategies and market outcomes. This highly visible role works across Business Product Management, Technical Product Management, Sales, Client Relationship Management, Marketing, Technology & Operations, and Risk & Compliance, while engaging directly with financial institutions, corporate users, technology providers, and industry stakeholders. The successful candidate will combine strategic product leadership with strong commercial instincts and the ability to move complex initiatives from insight to market impact while maintaining and integrating a strong first line of defense risk mindset.

Essential Functions and Responsibilities

• Translate the RTP strategy into market-driven product plans and roadmaps for assigned market segments, capabilities, and use cases, grounded in validated customer and market needs.
• Lead assigned RTP products through the full lifecycle, including discovery, business case development, detailed requirements, prioritization, launch, commercialization, adoption, enhancement, and end-of-life decisions.
• Drive market discovery and customer engagement with financial institutions, corporate users, technology providers, and other stakeholders to identify opportunities, validate problems, and shape differentiated solutions.
• Develop clear product positioning, value propositions, launch approaches, and enablement in partnership with Sales, Client Relationship Management, Marketing, and other commercialization partners.
• Use market, customer, product, volume, and financial data to establish priorities, inform investment decisions, monitor adoption and performance, and recommend actions that improve business outcomes.
• Partner closely with RTP Technical Product Management, Technology & Operations, and other delivery teams to ensure business requirements 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, and expected outcomes.
• Apply a first-line risk mindset throughout the entire product lifecycle including rules definition, compliance and enforcement. Partnering with Legal, Risk, and Compliance to identify and address product and market risks.
• Track competitive, regulatory, technology, and industry developments in instant and faster payments and translate relevant insights into product and commercialization recommendations.
• Represent The Clearing House and the RTP network in customer forums, committees, working groups, and internal governance discussions, communicating product strategy, priorities, performance, and recommendations with credibility.
• Contribute to a disciplined, market-driven product management culture focused on accountability, collaboration, and measurable outcomes.

Qualifications Required

• Bachelor's degree in finance, business, economics, or a related discipline; or an equivalent combination of education and experience.
• 10+ years of progressive product management experience, preferably in payments, banking, or financial services, with demonstrated leadership of complex product initiatives.
• Strong understanding of payment products, operations, technology, and market dynamics; instant or faster payments experience strongly preferred.
• Demonstrated ability to identify and validate market needs, establish product priorities, develop business cases, and translate strategy into executable roadmaps and commercial outcomes.
• Strong analytical and financial acumen, with the ability to use product, customer, market, volume, and revenue data to drive decisions and measure performance.
• Proven risk maturity to understand, articulate, manage and mitigate risks
• Excellent written, verbal, and presentation skills, with the ability to influence and communicate effectively 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 with product commercialization, go-to-market planning, positioning, sales enablement, and adoption strategies.
• Experience working in cross-functional teams and navigating trade-offs among market opportunity, customer value, risk, technical feasibility, cost, and speed to market.
• Experience engaging financial institutions, corporate users, technology providers, industry groups, or strategic partners.
• 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.