Lead Product Manager, Payments Risk & Fraud Strategy

Xero Limited; San Mateo (CA); On-site; USD 212,000 - 265,000; Full time

Benefits offered by this job

Annual bonus

Equity (RSU)

Medical, dental, vision

401(k) match

21 days PTO

Wellbeing leave

Xtra Leave

Volunteer day

12 paid holidays

Parental leave

Job summary

Xero Limited in California seeks a Lead Product Manager for Payments Risk to own the strategy and delivery of merchant and transaction risk capabilities. You’ll partner with Risk, Compliance, Engineering, Data and Operations to translate policy into scalable product features, ensuring secure, reliable payments with minimal friction.

You will build decisioning systems, signals, rules and monitoring, while balancing fraud risk, costs and conversion.

Qualifications

• Significant PM experience in a technically complex payments/fintech environment.
• Experience building risk decisioning with rules, signals, scoring and data-driven models.
• Strong analytical skills using fraud, transaction and loss data to inform product decisions.
• Experience partnering with Engineering, Data Science, Risk, Compliance and Operations.

Responsibilities

• Own product strategy and roadmap for merchant and transaction risk.
• Build risk capabilities for merchant eligibility, underwriting and monitoring.
• Develop fraud detection, monitoring and decisioning capabilities.
• Create controls for disputes, reserves, holds and payout risk.
• Build tooling and workflows for investigation and risk operations.
• Design reusable risk decisioning capabilities and APIs for scale.

Skills

Merchant risk

Transaction risk

Product Management

Fraud detection

Rules & scoring

Data-driven decisions

Stakeholder collaboration

Payment processors

Tools

APIs

Data models

Job description

Xero Limited in California seeks a Lead Product Manager for Payments Risk to own the strategy and delivery of merchant and transaction risk capabilities. You’ll partner with Risk, Compliance, Engineering, Data and Operations to translate policy into scalable product features, ensuring secure, reliable payments with minimal friction.

You will build decisioning systems, signals, rules and monitoring, while balancing fraud risk, costs and conversion.