Head of Product - Payments Performance at dLocal

Why should you join dLocal? dLocal enables the biggest companies in the world to collect payments in 40 countries in emerging markets. Global brands rely on us to increase conversion rates and simplify payment expansion effortlessly. As both a payments processor and a merchant of record where we operate, we make it possible for our merchants to make inroads into the world’s fastest-growing, emerging markets.  By joining us you will be a part of an amazing global team that makes it all happen. Being a part of dLocal means working with 1000+ teammates from 30+ different nationalities and developing an international career that impacts millions of people’s daily lives. We are builders, we never run from a challenge, we are customer-centric, and if this sounds like you, we know you will thrive in our team. What's the Opportunity? We are looking for a Head of Product – Payments Performance to own the end-to-end strategy and execution across four core domains: Fraud Prevention, Compliance decisioning (sanctions, TM, KYC/KYT), Routing (smart routing and request orchestration) and Anomaly Detection & Alert Manager. This is a senior, hands-on product leadership role for a veteran in payments performance, fraud, and compliance in emerging markets. You will define the vision, drive the roadmap, lead a team of PMs, and work closely with Engineering, AI & Decisions, Compliance, Fraud Ops, CS, Payins, and Payouts to make dLocal best-in-class on approval rates, fraud control, and operational resilience. What will I be doing? • Own the Payments Performance vision and strategy • Define how Fraud, Compliance, Routing, and Anomaly Detection together maximize TPV and conversion while keeping fraud, chargebacks, and regulatory risk under tight control.Translate company and Payins/Payouts strategy into a clear, multi-year roadmap for Payments Performance (platforms, capabilities, and core metrics). • Translate company and Payins/Payouts strategy into a clear, multi-year roadmap for Payments Performance (platforms, capabilities, and core metrics). Lead Fraud Prevention products • Own our fraud decisioning stack: scoring, rules, policies, and orchestration across cards and APMs. • Drive the shift from heavy, per-merchant rules to modular, ML-driven defense strategies with clear separation of scoring, policy, and decisioning. • Partner with Fraud Ops to define SLAs, explainability, playbooks, and automation that reduce manual workload while protecting CR and chargeback KPIs. Lead Compliance decisioning & automation • Own the transactional compliance stack: sanctions screening, transaction monitoring, and transactional KYC/KYT for Payins and Payouts. • Build a real-time, API-first compliance platform with configurable policies per country and product, strong auditability, and minimized false positives. • Partner with Compliance leadership and Data Compliance to prioritize automation (L1 agents, doc extraction, autoclose models) and support initiatives like data localization and new regulatory regimes. Lead Routing (smart routing & orchestration) • Own routing and request orchestration across card acquirers, APM processors, and payout routes, optimizing for approval rate, cost, latency, and resiliency. • Define routing policies (by BIN, issuer, merchant segment, country, payment method) and work with Payins/Payouts product teams to embed routing as a shared platform. • Partner with Data and Engineering to run controlled experiments and roll out smart routing and retry strategies at scale. Lead Anomaly Detection & Alert Manager as a platform • Own Alert Manager as the company-wide hub for alerts, routing, and workflows across Payins, Payouts, Fraud, Compliance, and Ops. • Scale anomaly detection models (CR, volume, rejection mix, latency, provider health) across more metrics, segments, and products while controlling false positives. • Drive the evolution from simple alerting to automated diagnostics and actions, enabling domain teams to plug in their own automations and runbooks. Drive AI-first automation across performance and risk • Partner with AI & Decisions Engineering to design agents and automation for L1 investigations, RFI handling, narrative generation, and alert triage. • Prioritize initiatives that meaningfully reduce manual work (Fraud Ops, Data Compliance, CS, Ops) while improving consistency and auditability. Lead and grow the Payments Performance product team • Build, lead, and coach a team of Product Managers across Fraud, Compliance, Routing, and Anomaly Detection. • Set high standards for discovery, documentation, experimentation, and stakeholder communication. • Create strong collaboration rituals with Engineering, Data, AI, Compliance, Fraud Ops, CS, Payins, and Payouts teams. Own metrics and governance • Define and track core KPIs: CR/approval rate uplift, TPV protected/recovered, fraud & chargeback rates, false positive rates, time-to-detect and time-to-resolve incidents, manual workload reduction, regulatory/audit findings. • Use these metrics to prioritize the roadmap and communicate impact to leadership and partners. What skills do I need? • Deep payments performance, fraud & compliance experience • 10+ years in product management in payments/fintech, including owning complex performance / risk platforms (fraud, AML/TM, routing, or monitoring). • Significant experience (5+ years) in fraud prevention and/or compliance decisioning (sanctions, TM, KYC/KYT) for Payins and/or Payouts, ideally in emerging markets. • Strong understanding of authorization flows, chargebacks, AML concepts, sanctions screening, TM, KYC/KYT, and routing. Emerging markets expertise • Proven track record improving payments performance (CR, TPV) across multiple emerging markets (LATAM, Africa, APAC, or similar). • Comfortable navigating local regulations, scheme rules, data localization, and infrastructure constraints with Compliance and Legal. Platform and data/ML leadership • Experience owning horizontal platforms (decisioning engines, routing engines, alert managers, or monitoring platforms) used by multiple product teams. • Strong data and experimentation mindset; comfortable working with Data Science/ML teams to ship and iterate on models in production. • Clear examples of turning ML and analytics into productized capabilities (policies, configs, APIs, tools) rather than one-off analyses. People & cross-functional leadership • Experience leading and developing Product Managers; you know how to build a high-performing, mission-driven team. • Excellent stakeholder management across Engineering, AI, Compliance, Fraud Ops, CS, Payins, Payouts, and Finance. • Clear, concise communication in English; able to interface directly with senior leaders, regulators (when needed), and strategic merchants. Mindset • Builder mentality: you are comfortable with ambiguity, roll up your sleeves, and ship. • Obsession with merchant and end-user impact, not just internal metrics. • Fluency in leveraging AI tools and data products to design better decision systems, automate operations, and accelerate the quality and speed of execution for you and your teams. • Bias for outcomes over output, with a strong sense of ownership for the Payments Performance business. What do we offer? Besides the tailored benefits we have for each country, dLocal will help you thrive and go that extra mile by offering you: - Flexibility: we have flexible schedules and we are driven by performance. - Fintech industry: work in a dynamic and ever-evolving environment, with plenty to build and boost your creativity. - Referral bonus program: our internal talents are the best recruiters - refer someone ideal for a role and get rewarded. - Learning & development: get access to a Premium Coursera subscription. - Language classes: we provide free English, Spanish, or Portuguese classes. - Social budget: you'll get a monthly budget to chill out with your team (in person or remotely) and deepen your connections! - dLocal Houses: want to rent a house to spend one week anywhere in the world coworking with your team? We’ve got your back! Flexibility in how you work: We focus on impact and productivity over fixed hours. This means our teams have flexible schedules and, depending on your role and location, you will combine self‑managed focus time with moments of in‑person connection in our collaboration hubs. What happens after you apply? Our Talent Acquisition team is invested in creating the best candidate experience possible, so don’t worry, you will definitely hear from us. We will review your CV and keep you posted by email at every step of the process! Also, you can check out our webpage, Linkedin and Youtube for more about dLocal!