Senior Product Engineer – Payments Risk

This is a fully remote position, open to applicants in Europe.

📋 Description

• Take ownership of the systems that manage organizer signup evaluations, payout holds, payout release timing, and account deterioration decisions.

• Evaluate organizers during the signup process and throughout their account lifecycle.

• Develop reserves that accurately represent the actual supplier obligations for trips.

• Integrate exposure, disputes, balances, payout history, and verification statuses.

• Oversee projects from start to finish, including discovery, solution design, implementation, rollout, and monitoring.

• Work collaboratively with Product, Payment Operations, and KYC/Verification teams.

• Influence risk decisions, metrics, and the automation of manual processes.

• Maintain a balance between loss protection and a positive organizer user experience.

• Ensure the reliability of the systems delivered.

• Engage in and enhance the engineering team’s standards, culture, and practices.

⛳️ Requirements

• Over 7 years of experience in product engineering.

• More than 4 years focused on risk, fraud, or underwriting systems that handle real monetary transactions.

• In-depth knowledge of exposure and credit models, decision and rules engines, holds, reserves and payout limits, transaction monitoring, and ledgers.

• Strong backend proficiency in Ruby on Rails, Kotlin, Python, Go, Java, or Node.js, with a quick adaptability to Ruby.

• Direct experience with production on-call duties, including writing post-mortems and leading incident responses.

• Exceptional written and verbal communication skills.

• Experience in cross-functional collaboration.

• Ability to excel in a distributed, multicultural setting.

• Practical use of AI tools, with the capability to mentor and train others on AI concepts.

• Preferred experience at a merchant of record, payment facilitator, marketplace, or lender.

• Preferred experience in automating a previously manual underwriting or periodic review process.

🏝️ Benefits

• Competitive salary.

• Generous “Time to Recharge” policy offering unlimited paid time off.

• Remote work option for up to 4 weeks per calendar year.

• Two-week cross-functional onboarding program.

• Annual team off-site event.

• Cycle-to-work scheme (Swapfiets subscription) or commuting reimbursement.

• Team lunches on Monday and Thursday, along with after-work social gatherings.

• Extensive paid family leave.

• Three paid volunteer days each year.

• Access to cutting-edge equipment and tools.

• Remote-friendly work culture.

• International team environment.