Lead Product Manager – Payments Risk

OUR PURPOSE

At Xero, we’re here to supercharge small businesses. By making small business more efficient every day, connecting them with big business technology and empowering a community behind them, their potential is limitless. When that happens, we’re not only helping small business, we’ll be building a stronger economy that can change the world.

HOW YOU’LL MAKE AN IMPACT

As a Lead Product Manager – Payments Risk, you’ll build the risk capabilities that enable Xero customers to accept payments securely, reliably and with as little unnecessary friction as possible.

You’ll own product strategy and execution across two core areas:

Merchant risk — including KYB/KYC, merchant eligibility, underwriting, risk segmentation, financial exposure management and ongoing merchant monitoring.

Transaction risk — including fraud detection and decisioning, transaction monitoring, disputes and chargebacks, reserves and holds, payout risk and payments loss management.

This is a Product Management role focused on payments risk, not a Risk Operations or Compliance role. You’ll partner closely with Risk, Compliance, Engineering, Data and Operations to turn risk strategy and policy into scalable product capabilities.

WHAT YOU’LL DO

BUILD XERO’S PAYMENTS RISK CAPABILITIES

• Own the product strategy and roadmap for merchant and transaction risk.

• Build capabilities for merchant eligibility, underwriting, risk segmentation, financial exposure management and ongoing monitoring.

• Build transaction fraud detection, monitoring and decisioning capabilities using signals, rules, scoring, velocity and limits.

• Develop controls for disputes, chargebacks, reserves, holds, negative balances and payout risk.

• Build the tooling and workflows needed to support investigation, review and risk operations.