Product Manager - Commercial Card Risk

The Product Manager for Commercial Card Risk owns the strategy, design, and delivery of risk products and capabilities supporting a commercial credit card portfolio. This role brings deep commercial card industry expertise — particularly in fraud, disputes, Mastercard rules, Credit Risk, Third Party Risk Management, Processor/Network capabilities that reduce risk— to shape policy direction, define product requirements, and lead risk-focused initiatives from concept through launch and ongoing operations. This is an oversight and subject matter role.

What You Will Do

• Serve as the internal expert on the dispute and chargeback process and Mastercard rules as they apply to the commercial card portfolio, providing directional guidance to risk, operations, and product teams on policy and process decisions.
• Lead and support risk detection and risk reduction product initiatives — owning scope, governance, and outcomes across the full project lifecycle from design through launch and ongoing operations.
• Partner with the underwriting teams to inform credit guidelines and policy decisions, drawing on industry experience and an understanding of corporate liability, how payment terms affect credit decisions, and security considerations.
• Hold oversight responsibility for risk-related programs, identifying gaps and escalating issues to senior leadership.
• Define clear goals, objectives, and requirements for risk product capabilities in collaboration with engineers, data scientists, designers, and operational partners.
• Act as primary product resource for Third Party Risk Management oversight of vendor relationships that are in place to support the Commercial Card and Integrated Payables products.
• Translate risk strategy and commercial card industry knowledge into actionable product and process improvements that balance fraud reduction, loss mitigation, customer experience, and regulatory expectations.
• In partnership with Segment Risk, oversight of documentation updates such as Product process maps (including identified Risks and Controls) and procedures.
• Primary resource for external/internal product audits.

What You Bring

• 5+ years of experience in commercial card risk or payments, with direct knowledge of the dispute and chargeback process and Mastercard rules on the commercial card side.
• Familiarity with corporate liability structures, how payment terms intersect with credit decisions, and security considerations in a commercial card environment.
• Experience partnering with underwriting teams on credit policy and guidelines, comfortable influencing policy decisions using industry expertise.
• Demonstrated ability to lead fraud-focused risk initiatives, owning scope, governance, and outcomes across the full product lifecycle.
• Commercial card industry knowledge deep enough to provide credible direction to risk and operational teams on policy and process.
• Strong communication and collaboration skills, with comfort presenting recommendations and escalating issues to senior leadership.
• Ability to manage competing priorities and drive alignment across product, risk, operations, and audit partners