Head of Product owning Mercury’s business banking strategy, product portfolio, and P&L. Leading product teams while scaling payments, deposits, AI experiences, and financial infrastructure.
About the role
- Lead Product Manager owning merchant and transaction risk capabilities for Xero’s small-business payments platform. Scaling fraud, underwriting, disputes, and loss controls across markets.
Responsibilities
- Build risk capabilities enabling Xero customers to accept payments securely, reliably, and with minimal unnecessary friction
- Own product strategy and roadmap for merchant and transaction risk
- Build merchant eligibility, underwriting, risk segmentation, financial exposure management, and ongoing monitoring capabilities
- Build transaction fraud detection, monitoring, and decisioning using signals, rules, scoring, velocity, and limits
- Develop controls for disputes, chargebacks, reserves, holds, negative balances, and payout risk
- Build tooling and workflows supporting investigation, review, and risk operations
- Develop reusable platform capabilities for risk decisioning, rules, signals, limits, monitoring, alerts, and case management
- Partner with Engineering and Data on APIs, data models, architecture, and scalable decisioning systems
- Design capabilities supporting multiple processors, payment methods, and markets
- Evaluate build-versus-partner decisions for risk capabilities
- 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 risk metrics and improve decision quality, false-positive rates, and loss performance
- Identify emerging merchant, fraud, and loss patterns and evolve controls
- Collaborate with Risk, Compliance, Engineering, Data, and Operations
- Ensure legitimate merchants experience minimal friction, higher-risk merchants and transactions receive appropriate treatment, and losses remain within risk appetite
- Scale risk capabilities and decisioning across processors, payment methods, and markets
Requirements
- Deep, hands-on payments risk product experience
- Product Management experience building and operating risk capabilities within a payments platform, PSP, acquirer, PayFac, marketplace, or similar payments environment
- Meaningful Product Management experience across merchant risk, including KYB/KYC, merchant onboarding, eligibility, underwriting, merchant risk assessment, financial exposure management, and/or ongoing monitoring
- Meaningful Product Management experience across transaction risk, including fraud detection and decisioning, transaction monitoring, disputes and chargebacks, reserves and holds, payout risk, and/or payments loss management
- Significant Product Management experience in a technically complex payments or fintech environment
- Strong understanding of merchant risk, transaction risk, and financial exposure from movement of money
- Experience building risk decisioning capabilities using rules, signals, scoring, limits, and data-driven models
- Strong analytical skills and experience using fraud, transaction, and loss data for product decisions
- Experience partnering with Engineering, Data Science, Risk, Compliance, and Operations
- Experience working with payment processors, acquirers, and/or third-party risk providers
- Strong product judgement and ability to make decisions balancing customer experience, growth, and risk
- Working rights for the country the role is based in
- Satisfactory completion of relevant background checks, potentially including credit and criminal history checks
Benefits
- Annual bonus eligibility for permanent employees
- Equity (RSU) programs for permanent employees
- Performance-based cash or equity (RSUs) incentives depending on role level and company performance
- World-class health, wellness, and retirement programs
- Wellbeing days
- Generous leave
- Dedicated professional development budgets
- Fair and supportive recruitment experience
- Recruitment accommodations or adjustments, including modified interview format, additional assessment time, or assistive technology
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Degree requirement
No Education Requirement
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