Director, Payments Performance - Product
CLEAR · New York, NY, United States
About this role
**Director, Payments Performance - Product** CLEAR is building THE secure identity company of the future—making experiences safer and easier, physically and digitally. With 43M+ Members and a growing global partner network, CLEAR unlocks frictionless experiences across airports, stadiums, and everyday life. The **Director, Payments Performance** will own how money moves at CLEAR—driving payment authorization, renewal recovery, fraud and dispute performance, and cost of acceptance. Reporting to the **SVP of Product**, you’ll turn issuer, network, processor, and Member insights into product strategy, experiments, and measurable business outcomes. You’ll work closely with the **Payments Product Lead** (who owns the payments platform and Member-facing experiences) while owning system performance—translating payment performance insights into product, processor, network, and issuer action. **What You’ll Do** - Own CLEAR’s payment performance end to end: first-attempt authorization, renewal recovery, involuntary churn, fraud and chargeback performance, false-positive rates, and effective cost of acceptance. - Diagnose performance across issuers, networks, card types, wallets, channels, and Member cohorts; establish a single source of truth for payments performance and translate decline patterns into prioritized opportunities. - Define and drive the authorization and recovery roadmap with Product, Engineering, and Analytics—optimizing retry and dunning strategies, network tokens and account updater, stored credentials, transaction messaging, routing, wallets, fraud controls, and authentication. - Lead performance relationships with processors, card networks, and issuers—hold partners accountable to benchmarks, resolve systemic approval issues, and evaluate opportunities across routing, acquiring, and processor strategy. - Partner across Product, Finance, Analytics, Engineering, and Member Support to run rigorous experiments—balancing approval gains with fraud/dispute exposure, improving payment economics, and evolving CLEAR’s payments strategy as the business expands. **How You’ll Measure Success** - Increased first-attempt authorization rates for new and renewing Members. - Increased recovery of failed renewals and reduced payment-related involuntary churn. - Fraud, chargeback, and false-positive rates maintained within defined targets and applicable network monitoring thresholds. - Reduced effective cost of acceptance while improving overall payment performance and recovered revenue. **What You’re Great At** - 10+ years of deep payments experience (merchant/acceptance side, high-volume consumer/subscription business, processor, or card network) with direct accountability for authorization and payment performance. - Expert knowledge of card payment economics and transaction lifecycles: issuer decisioning, recurring billing, decline optimization, network tokenization, account updater, stored credentials, fraud/disputes, and network monitoring programs. - Ability to turn complex payment data into action—experience working with data and SQL, building analyses (e.g., decline waterfalls), and translating insights into product decisions and measurable outcomes. - Strong influence across the payments ecosystem—partnering directly with processors, networks, and issuers to diagnose systemic issues, improve performance, negotiate effectively, and drive accountability. - Strong product and commercial judgment—partnering with Product and Engineering
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