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 roadmap
Build underwriting, segmentation, monitoring, and exposure management capabilities
Develop fraud detection, decisioning, rules, signals, scoring, and limits
Create controls for disputes, chargebacks, reserves,



holds, and payout risk
Establish risk metrics and improve decision quality and loss performance

Requirements:
Deep hands-on payments risk product experience
Product Management experience across merchant and transaction risk
Significant experience in complex payments or fintech settings
Solid analytical skills using fraud, transaction, and loss data
Experience partnering with Engineering, Data Science, Risk, Compliance, and Operations

Bring 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 Vancouver
🏢 Xero
📍 Vancouver