Lead Payments Risk & Fraud Decisioning

Xero; United States; On-site; USD 180,000 - 230,000; Full time

Job summary

Xero is seeking a Lead Product Manager – Payments Risk to build risk capabilities that enable merchants to accept payments securely and with minimal friction. You will own product strategy and execution across merchant and transaction risk domains.

You will collaborate with Risk, Compliance, Engineering, Data and Operations to translate risk policy into scalable product features, decisioning systems and APIs, balancing fraud controls with conversion.

Qualifications

• Experience building payments risk capabilities within a payments platform or fintech.
• Strong analytical skills using fraud and loss data to guide decisions.
• Proven product management experience in technically complex environments.
• Experience partnering with Engineering, Data Science, Risk, Compliance and Operations.
• Ability to translate risk appetite into product controls and customer experiences.

Responsibilities

• Own the product strategy and roadmap for merchant and transaction risk.
• Build merchant eligibility, underwriting, risk segmentation, and monitoring capabilities.
• Develop fraud detection, monitoring and decisioning capabilities.
• Design risk controls for disputes, reserves, and payout risk.
• Collaborate across Risk, Compliance, Engineering and Operations to scale risk across markets.

Skills

Payments risk

Product management

Data analytics

Risk decisioning

Cross-functional collaboration

Tools

APIs

Data models

Risk tooling

Job description

Xero is seeking a Lead Product Manager – Payments Risk to build risk capabilities that enable merchants to accept payments securely and with minimal friction. You will own product strategy and execution across merchant and transaction risk domains.

You will collaborate with Risk, Compliance, Engineering, Data and Operations to translate risk policy into scalable product features, decisioning systems and APIs, balancing fraud controls with conversion.