Senior Product Engineer - Payments Risk
Core
Build and own the risk, fraud, and underwriting systems that decide payment holds, reserves, and payout limits for a travel marketplace acting as merchant of record.
Role type
Senior Product Engineer (Payments Risk & Underwriting)
Builds
Decision engines, rules engines, exposure models, and ledger systems for real-time money movement.
Domain
Fintech / Payments / Travel Marketplace
Deliverable
production ML models | product features
Required skills
Risk/fraud/underwriting system design, exposure and credit modeling, decision and rules engines, transaction monitoring, backend engineering (Ruby on Rails, Kotlin, Python, Go, Java, Node.js), production on-call incident response, AI tool adoption for engineering workflows.
Preferred skills
Merchant of record or payment facilitator experience, automating manual underwriting programs.
Technologies
Ruby on Rails, Kotlin, Python, Go, Java, Node.js, Kubernetes, MongoDB, MySQL, Postgres, Cockroach DB, Snowflake, LLMs.
Responsibilities
Lead end-to-end projects from discovery to rollout with Product and Operations teams, design decision logic balancing protection vs. user experience, own system reliability and on-call rotation, mentor team on AI concepts.
Seniority
Senior, hands-on IC with leadership responsibilities