Lead Product Manager – Payments Risk

The role

You will build risk capabilities that enable customers to accept payments securely and reliably. You will own product strategy and execution for merchant risk and transaction risk.

What you will do

• Own the product strategy and roadmap for merchant and transaction risk.
• Build capabilities for merchant eligibility, underwriting, risk segmentation, financial exposure management and ongoing monitoring.
• Build transaction fraud detection, monitoring and decisioning capabilities.
• Develop controls for disputes, chargebacks, reserves, holds, negative balances and payout risk.
• Build tooling and workflows to support investigation, review and risk operations.
• Develop reusable capabilities for risk decisioning, rules, signals, limits, monitoring, alerts and case management.
• Partner with Engineering and Data on APIs, data models, architecture and decisioning systems.
• Design capabilities that can support multiple processors, payment methods and markets.
• Evaluate build-versus-partner decisions for risk capabilities.
• Translate risk appetite and policy into product controls and customer experiences.

Required qualifications

• Deep, hands-on payments risk product experience is essential.
• Experience building and operating risk capabilities within a payments platform, PSP, acquirer, PayFac, marketplace or similar payments environment.
• Meaningful Product Management experience in merchant risk: KYB/KYC, merchant onboarding, eligibility, underwriting, merchant risk assessment, financial exposure management and/or ongoing monitoring.
• Meaningful Product Management experience in transaction risk: fraud detection and decisioning, transaction monitoring, disputes and chargebacks, reserves and holds, payout risk and/or payments loss ma
• Significant Product Management experience in a technically complex payments or fintech environment.
• Strong understanding of how merchant risk, transaction risk and the movement of money create financial exposure.
• Experience building risk decisioning capabilities using rules, signals, scoring, limits and data-driven models.
• Strong analytical skills and experience using fraud, transaction and loss data to make product decisions.
• Experience partnering closely with Engineering, Data Science, Risk, Compliance and Operations.
• Experience working with payment processors, acquirers and/or third-party risk providers.
• Strong product judgement and the ability to make decisions where customer experience, growth and risk are in tension.

Nice to have

• Experience extends beyond KYC/compliance or consumer identity fraud into broader merchant and transaction risk within a payments environment.

Benefits

• Medical
• Dental
• Vision
• 401(k) match
• 21 days PTO
• 10 days of Wellbeing leave
• 5 days of Xtra Leave
• 1 volunteer day
• 12 paid holidays
• Paid parental leave
• Annual bonus
• Equity (RSU) programs

Before you apply

• Xero uses AI to help screen applications based on job-related qualifications.

About the company

Xero aims to supercharge small businesses by making them more efficient and connecting them with big business technology.