Shape Xero’s payments risk strategy through merchant eligibility and transaction fraud decisioning. Build secure payment experiences with minimal unnecessary customer friction.As Lead Product Manager, you’ll own strategy and execution across merchant and transaction risk. You’ll develop capabilities spanning KYB/KYC, underwriting, monitoring, fraud detection, disputes, reserves, holds, and payout risk. This Product Management role partners with Risk, Compliance, Engineering, Data, and Operations to turn policy into scalable products.Key Responsibilities:
Own merchant and transaction risk product strategy and roadmapBuild underwriting, segmentation, monitoring, and exposure management capabilitiesDevelop fraud detection, decisioning, rules, signals, scoring, and limitsCreate controls for disputes, chargebacks, reserves,



holds, and payout riskEstablish risk metrics and improve decision quality and loss performanceRequirements:
Deep hands-on payments risk product experienceProduct Management experience across merchant and transaction riskSignificant experience in complex payments or fintech environmentsStrong analytical skills using fraud, transaction, and loss dataExperience partnering with Engineering, Data Science, Risk, Compliance, and OperationsBring payments risk product leadership, analytical judgment, and decisioning expertise to Xero’s merchant and transaction platforms.
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📌 Lead Payments Risk Product Manager (Winnipeg)
🏢 Xero
📍 Winnipeg