Lead Product Manager – Payments Risk
Core
Build scalable payments risk capabilities to enable secure, reliable, and low-friction payment acceptance for Xero's small business customers.
Role type
Lead Product Manager (Payments Risk)
Builds
Merchant and transaction risk decisioning platforms, controls, and workflows for a payments ecosystem.
Domain
Fintech / Payments / Risk Management
Deliverable
production ML models | product features
Required skills
Payments risk product strategy, Merchant risk (KYB/KYC, underwriting, eligibility), Transaction risk (fraud detection, decisioning, chargebacks), Risk segmentation, Financial exposure management, Data-driven decisioning, Product roadmap ownership, Cross-functional partnership (Engineering, Data, Compliance), Build-vs-partner evaluation, Risk metrics definition.
Preferred skills
Experience in PSP/acquirer/PayFac environments, Deep knowledge of payment processors and third-party risk providers, Ability to balance fraud prevention with customer experience.
Technologies
Rules engines, Scoring models, Velocity checks, Limits management, APIs, Data models.
Responsibilities
Own product strategy and roadmap for merchant and transaction risk; Build capabilities for merchant eligibility, underwriting, and ongoing monitoring; Develop transaction fraud detection, monitoring, and decisioning systems; Design controls for disputes, chargebacks, reserves, and payout risk; Partner with Engineering and Data to build scalable risk decisioning platforms; Translate risk appetite into product controls and customer experiences.
Seniority
Senior, hands-on IC