Lead Product Manager (Payments Risk)

Join Xero as a Lead Product Manager – Payments Risk. In this role, you will build risk capabilities that enable customers to accept payments securely and reliably. You will own product strategy and execution across merchant and transaction risk, partnering closely with various teams to turn risk strategy and policy into scalable product capabilities. Success in this role means legitimate merchants can accept payments with minimal friction, higher-risk merchants and transactions are identified and treated appropriately, and fraud, chargebacks, and payment losses remain within Xero's agreed risk appetite.

• Ownership of product strategy and execution for merchant and transaction risk, including KYB/KYC, underwriting, fraud detection, and decisioning capabilities.
• Building and scaling risk capabilities that enable customers to accept payments securely and reliably, while minimizing unnecessary friction.
• Collaborating with cross-functional teams to translate risk strategy and policy into scalable product capabilities, and ensuring compliance with regulations.

• Merchant risk: KYB/KYC, merchant onboarding, eligibility, underwriting, merchant risk assessment, financial exposure management and/or ongoing monitoring
• You should have meaningful Product Management experience across both:
• We’re looking for someone who has built and operated risk capabilities within a payments platform, PSP, acquirer, PayFac, marketplace or similar payments environment
• Transaction risk: fraud detection and decisioning, transaction monitoring, disputes and chargebacks, reserves and holds, payout risk and/or payments loss management
• Deep, hands-on payments risk product experience is essential for this role
• Significant Product Management experience in a technically complex payments or fintech environment
• Experience working with payment processors, acquirers and/or third-party risk providers
• We’re particularly interested in candidates whose experience extends beyond KYC/compliance or consumer identity fraud into broader merchant and transaction risk within a payments environment
• Strong analytical skills and experience using fraud, transaction and loss data to make product decisions
• Experience building risk decisioning capabilities using rules, signals, scoring, limits and data-driven models
• Strong product judgement and the ability to make decisions where customer experience, growth and risk are in tension
• Strong understanding of how merchant risk, transaction risk and the movement of money create financial exposure
• Experience partnering closely with Engineering, Data Science, Risk, Compliance and Operations