Lead Product Manager – Payments Risk

Xero
Vancouver, British Columbia
Workplace: OnsiteFull timeCAD 178,600 - 223,300 annuallyFunction: Product ManagementSkills: ["Product judgment","Analytical skills","Data-driven decision-making","Collaboration"]

Build and scale Xero’s payments risk capabilities by owning product strategy and roadmap for merchant and transaction risk. Drive merchant risk (KYB/KYC, eligibility, underwriting, monitoring) and transaction risk (fraud detection, decisioning, disputes/chargebacks, reserves/holds, payout risk) while translating risk policy into scalable product controls. Partner with Risk, Compliance, Engineering, Data and Operations to turn risk strategies into decisioning systems, APIs, and workflows that reduce friction while keeping losses within risk appetite.

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FursaFursa
Xero
Xero
2 days ago

Lead Product Manager – Payments Risk

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Source: Company careers pageValidated by: Fursa AI
Last checked: 16 hours agoStatus: Live

Job Summary

Build and scale Xero’s payments risk capabilities by owning product strategy and roadmap for merchant and transaction risk. Drive merchant risk (KYB/KYC, eligibility, underwriting, monitoring) and transaction risk (fraud detection, decisioning, disputes/chargebacks, reserves/holds, payout risk) while translating risk policy into scalable product controls. Partner with Risk, Compliance, Engineering, Data and Operations to turn risk strategies into decisioning systems, APIs, and workflows that reduce friction while keeping losses within risk appetite.
Location: Vancouver, British Columbia
Workplace: Onsite
Employment Type: Full time
Job Function: Product Management

Key Responsibilities

  • •Own product strategy and roadmap for merchant and transaction risk capabilities.
  • •Build merchant eligibility, underwriting, risk segmentation, financial exposure management, and ongoing merchant monitoring.
  • •Develop transaction fraud detection, monitoring, and decisioning using signals, rules, scoring, velocity and limits.
  • •Create controls for disputes, chargebacks, reserves, holds, negative balances and payout risk.
  • •Develop reusable risk decisioning capabilities and partner with Engineering and Data on APIs, data models, architecture and decisioning systems.

Pay and Benefits

Salary: CAD 178,600 - 223,300 annually
Equity and Bonus:Equity
Perks:Health InsuranceRetirement ProgramsAnnual BonusRsusLearning BudgetWellness StipendPaid Leave

Key Requirements

  • •Deep, hands-on product management experience in payments risk product development and operations.
  • •Experience building and operating merchant risk capabilities (KYB/KYC, onboarding, eligibility, underwriting, financial exposure management, and/or ongoing monitoring).
  • •Experience building and operating transaction risk capabilities (fraud detection and decisioning, transaction monitoring, disputes and chargebacks, reserves/holds, payout risk and/or payments loss management).
  • •Experience using rules, signals, scoring, limits and data-driven models for risk decisioning, along with strong analytical skills using fraud/transaction/loss data.
  • •Experience partnering closely with Engineering, Data Science, Risk, Compliance and Operations, and working with payment processors/acquirers or third-party risk providers.
Experience:PaymentsFintech
Skills:Product judgmentAnalytical skillsData-driven decision-makingCollaboration
Tech Stack:APIsData models

Company Brief

Xero
Provides cloud-based accounting, payroll, and financial management software for small and medium-sized businesses, enabling invoicing, bank reconciliation, reporting, and integrations with third-party apps globally.
Industry: Enterprise Software
Company Size: Enterprise (1,001+ employees)
Revenue: USD 1B+
Growth: Public Company
Valuation: Public Company (Market Cap in USD)
Funding: IPO / Publicly Listed
Headquarters: Wellington, New Zealand
Founded: 2006
WebsiteLinkedIn