Senior Product Engineer – Payments Risk

• Own systems governing organizer signup assessment, payout holds, payout release speed, and account deterioration decisions
• Assess organizers at signup and throughout the account lifecycle
• Design reserves that reflect actual supplier obligations for trips
• Consolidate exposure, disputes, balances, payout history, and verification state
• Lead projects end-to-end from discovery and solution design through build, rollout, and monitoring
• Collaborate with Product, Payment Operations, and KYC/Verification teams
• Shape risk decisions, measurements, and automation of manual processes
• Balance loss protection with legitimate organizer user experience
• Own reliability of delivered systems
• Participate in and improve the engineering team’s standards, culture, and practices

• 7+ years of product engineering expertise
• 4+ years dedicated to risk, fraud, or underwriting systems that move real money
• Deep expertise in exposure and credit models, decision and rules engines, holds, reserves and payout limits, transaction monitoring, and ledgers
• Strong backend mastery in Ruby on Rails, Kotlin, Python, Go, Java, or Node.js, with ability 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
• Cross-functional collaboration experience
• Ability to thrive in a distributed, multicultural environment
• Pragmatic adoption of AI tools, including ability to mentor and train others on AI concepts
• Experience at a merchant of record, payment facilitator, marketplace, or lender is preferred
• Experience automating a previously manual underwriting or periodic review program is preferred

• Competitive salary
• Generous “Time to Recharge” policy with unlimited paid time off
• Remote work for a maximum of 4 weeks per calendar year
• 2-week cross-functional onboarding program
• Annual team off-site
• Cycle-to-work scheme (Swapfiets subscription) or commuting reimbursement
• Monday/Thursday team lunches and after-work social events
• Extensive paid family leave
• Three paid volunteer days per year
• Cutting-edge equipment and tools
• Remote-friendly work culture
• International team environment