Product Solutions, Recurring Billing-Payments-Vice President

Drive recurring billing modernization with smarter retries that recover declines, reduce fraud, and lift approval rates. Turn payment declines into retained customers and predictable revenue. On our team, you will modernize recurring billing with intelligent decline recovery and fraud‑aware decision making that delivers measurable improvements in approval rates and churn. You will shape how retry strategies learn from issuer signals and customer context to choose the right action at the right time. You will partner across product, engineering, data science, risk, and operations to take ideas from concept to launch and performance tracking. As a Product Solutions Vice President in Merchant Services, you lead recurring billing modernization and decline recovery initiatives that improve customer retention and payment performance. You work with cross‑functional partners to translate issuer decline signals, fraud controls, and network rules into practical product requirements and launch‑ready capabilities. You influence commercial outcomes by supporting business case development, defining success metrics, and tracking KPIs such as approval‑rate lift, recovered revenue, fraud reduction, and customer experience measures. You help teams stay aligned on priorities, execution, and measurable results. Job responsibilities Lead recurring billing modernization initiatives from concept through launch, including roadmap alignment, delivery coordination, and post‑launch performance review. Define end‑to‑end recurring billing and subscription flows, including credential capture, billing events, dunning journeys, lifecycle state management, and telemetry. Orchestrate intelligent retry and decline recovery strategies that use issuer response code analysis, transaction context, and historical performance to decide whether to retry, when to retry, and how to retry. Translate issuer decline patterns into reason‑based segmentation and retry treatments that improve recovery while reducing unnecessary attempts. Design optimal retry timing and cadence strategies that manage cost, reduce customer friction, and limit scheme‑penalty risk by avoiding excessive attempts. Embed compliance requirements into retry policies and stored‑credential indicators, aligning execution to card network mandates and operational controls. Partner with data science and machine learning teams to implement model‑driven retry decisioning, including feature requirements, experimentation plans, and monitoring routines. Integrate fraud and risk controls into recurring payment journeys, including controls for stored credentials, suppression paths, and escalation handling for suspicious activity. Coordinate cross‑functional execution with engineering, architecture, compliance, risk, legal, and operations teams to ensure launch readiness and sustainable run‑state processes. Engage clients and partners to validate problems, gather structured feedback, support implementations, and drive adoption tied to measurable outcomes. Measure results by establishing baselines, defining KPIs, supporting business case development, and tracking outcomes for approval rates, decline recovery, fraud reduction, and customer experience. Required qualifications, capabilities, and skills 7 years of experience in payments product management. Experience designing or optimizing recurring billing or subscription payment flows, including credential capture, billing events, and post‑decline customer journeys. Experience delivering decline recovery improvements through issuer response code analysis and reason‑based segmentation. Experience defining and delivering intelligent retry orchestration, including eligibility logic, timing and cadence rules, and controls that reduce unnecessary attempts. Experience partnering with data science or machine learning teams to deliver measurable improvements, including translating model outputs into product requirements and operating measures. Experience implementing fraud and risk controls for stored‑credential and recurring payments, including risk scoring, velocity controls, or anomaly detection concepts. Experience translating card network or scheme rules into product requirements, including stored credential indicators, recurring transaction requirements, and retry policy constraints. Experience delivering cross‑functional work from concept through launch, including requirements definition, release planning, and post‑launch monitoring. Experience defining success metrics and tracking KPIs for product outcomes, including approval‑rate lift, recovered revenue, fraud reduction, and customer experience measures. Experience communicating product requirements, delivery status, and performance results to technical and business stakeholders. Preferred qualifications, capabilities, and skills Familiarity with retry regulations and scheme mandates, including retry attempt limits, timing windows, and compliance implications. Experience with credential lifecycle capabilities, including account updater services and network tokenization; Experience working directly with merchants, platforms, or billing systems on recurring payments implementations or optimization programs. Experience designing and evaluating experiments for payment performance changes, including test design, success metrics, and monitoring plans; Experience defining recurring billing observability, including event schemas, dashboards, and operational alerting inputs. Experience contributing to commercial business cases for product changes, including assumptions, KPI targets, and performance reporting. #J-18808-Ljbffr JPMorgan Chase & Co.