Lead Product Manager – Payments Risk

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About the role

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. BUILD RISK AS A SCALABLE PLATFORM CAPABILITY - Develop reusable capabilities for risk decisioning, rules, signals, limits, monitoring, alerts and case management. - Partner with Engineering and Data on APIs, data models, architecture and decisioning systems required to operate risk at scale. - Design capabilities that can support multiple processors, payment methods and markets. - Evaluate build-versus-partner decisions and determine where Xero should own risk capabilities versus rely on processors or specialist risk providers. MAKE THE RIGHT RISK TRADE-OFFS - Translate risk appetite and policy into product controls and customer experiences. - Use data to balance fraud and financial loss against merchant friction, transaction conversion and operational cost. - Establish clear risk metrics and continuously improve decision quality, false-positive rates and loss performance. - Identify emerging merchant, fraud and loss patterns and evolve controls as risks change. WHAT YOU’LL BRING WITH YOU Deep, hands-on payments risk product experience is essential for this role. We’re looking for someone who has built and operated risk capabilities within a payments platform, PSP, acquirer, PayFac, marketplace or similar payments environment. You should have meaningful Product Management experience across both: - Merchant risk: KYB/KYC, merchant onboarding, eligibility, underwriting, merchant risk assessment, financial exposure management and/or ongoing monitoring. - Transaction risk: fraud detection and decisioning, transaction monitoring, disputes and chargebacks, reserves and holds, payout risk and/or payments loss management. You’ll also bring: - Significant Product Management experience in a technically complex payments or fintech environment. - Strong understanding of how merchant risk, transaction risk and the movement of money create financial exposure. - Experience bu

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