Senior Product Engineer - Payments Risk

• Lead projects end-to-end: discovery with Product, Payment Operations and our KYC/Verification team, solution design, build, rollout, and the monitoring that proves it works.
• Shape how we decide, not only how it gets built. What we assess, what we measure, and which manual steps automation should take over are all yours to influence.
• Weigh protection against user experience. Anything you build has a cost to a legitimate organizer, and finding that balance is part of the work.
• Own the reliability of what you ship, and help raise the engineering bar across the team.

Basic qualifications

• 7+ years of product engineering expertise, with 4+ years dedicated to risk, fraud, or underwriting systems that move real money.
• Deep expertise in the systems that decide about money, such as exposure and credit models, decision and rules engines, holds, reserves and payout limits, transaction monitoring, and the ledger those balances sit on.
• Strong backend mastery in Ruby on Rails, Kotlin, Python, Go, Java, or Node.js with the agility to ramp up on Ruby quickly.
• Direct production on-call experience, including authoring post-mortems and leading incident response.
• Excellent written and verbal communication skills, including cross-functional collaboration experience, and the ability to thrive in a distributed, multicultural environment.
• Pragmatic adoption of AI tools to optimize your engineering workflow, including the ability to mentor and train others on AI concepts.

You might not be the right fit if you

• Your risk expertise is limited to tuning rules in a vendor dashboard like Stripe Radar or Persona. We need someone who builds the engine underneath and owns what it does to real balances.
• You are hesitant to take full ownership of mission-critical money movement or participate in the on-call rotation when systems fail.
• You need complete data and settled requirements before you will commit to a decision. Risk work means making the call on partial information and sharpening it as more arrives.
• You are looking for a siloed IC position without the need for cross-functional collaboration or product-level discovery.
• You require a rigid, pre-defined roadmap; we prefer to sharpen our strategy and direction as we scale the team.

WHY JOIN US?

• On most risk teams you move a rate by a fraction of a percent. Here a single decision you design is worth six figures.
• Make a real impact: you’ll help build the operating system for the multi-day group travel industry, empowering thousands of organizers and millions of travelers worldwide.