Product Solutions, Payment Optimization (Routing)-Payments-Vice President
On-site · Plano, Texas, United States
Job Summary
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. Build routing strategies that balance merchant preferences, issuer behavior, network rules, regulatory requirements, transaction economics (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
- 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.
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