VP, RTP Business Product Management

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

Job summary

The Clearing House is seeking a VP, RTP Business Product Management to drive market-driven RTP product strategy and lifecycle leadership. You will partner across Sales, Marketing, Legal, Risk, and technology teams to shape differentiated solutions that expand adoption and deliver measurable value for financial institutions and customers.

You will translate market needs into prioritized product roadmaps, lead cross-functional initiatives, and ensure compliance and risk considerations are embedded

Qualifications

• Experience shaping RTP or payments product strategy.
• Ability to translate market needs into product roadmaps.
• Strong analytical and financial modeling skills.
• Proven leadership across cross-functional teams.
• Experience with risk and regulatory considerations.

Responsibilities

• Translate RTP strategy into market-driven product plans and roadmaps grounded in validated needs.
• Lead RTP products through full lifecycle from discovery to end-of-life decisions.
• Engage with financial institutions, corporate users, tech providers and stakeholders.
• Develop positioning, value propositions, launch approaches, and enablement with Sales/Marketing.
• Use data to set priorities, monitor adoption, and drive business outcomes.
• Partner with RTP Technical Product Management and delivery teams to translate requirements.
• Lead cross-functional initiatives, pilots, and launch readiness activities.
• Apply risk mindset with Legal, Risk, and Compliance to address product risks.
• Track developments in instant/faster payments and translate insights into recommendations.
• Represent The Clearing House in customer forums, governance discussions, and boards.
• Contribute to a disciplined product culture focused on accountability and outcomes.

Skills

Product leadership

Strategic planning

Cross-functional

Financial analysis

Risk management

Executive comms

Payments knowledge

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.

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.