Senior Product Design Lead, Payments & Risk Platform

About the Role:

Are you ready to elevate the design vision for how small businesses interact with their money?

As the Payments + Risk Design Lead, you’ll own end-to-end product design for some of the most complex and mission-critical systems at Gusto. This is a senior individual contributor role that blends deep hands-on design craft with cross-functional leadership.

You’ll serve as a design leader alongside two other designers on the Payments + Risk team, helping elevate craft, drive alignment, and mentor teammates through mindful feedback and proficient collaboration.

You combine systems thinking with remarkable UX and visual design skills, enabling you to craft scalable patterns, explore new interaction models, and raise the overall quality of our product experiences. You’ll shape seamless and credible money-movement experiences across Gusto’s products—ensuring reliability, security, and simplicity at scale.

About the Team:

The Payments and Risk Platform is the foundation of Gusto’s success. We ensure money moves seamlessly and securely between businesses, partners, employees, government entities, and Gusto itself.

We enable rapid and proficient money movement while protecting our platform from financial risk. Our work spans re-architecting Gusto’s core payment systems, reducing false positives in fraud detection, and building credit and debt-collection systems.

Our mandate: enable fast, reliable payment flows and protect the platform, all while delivering great experiences at scale.

Here’s what you’ll do day-to-day:

• Design end-to-end product experiences across complex financial workflows as a hands-on senior IC.
• Define and drive the long-term UX vision for Payments + Risk, aligned with Gusto’s strategy for money movement, trust, and risk.
• Lead design strategy within your focus area, partnering closely with Product, Engineering, and Risk to create alignment and clarity.
• Elevate the visual and interaction design quality of Payments + Risk experiences, ensuring clarity, polish, and usability.
• Explore and define new UX/UI patterns for sophisticated workflows—especially where no patterns currently exist.
• Evolve and maintain the design system, shaping scalable components and interaction models that support critical customer journeys.
• Influence product and technical roadmaps by advocating for customer needs, design quality, and long-term system health.
• Collaborate with Research to uncover and interpret user insights that inform product direction and UX strategy.
• Mentor other designers through feedback, pairing, and shared problem-solving, helping raise the overall craft bar.
• Contribute to Gusto’s design leadership community, shaping standards, processes, and design excellence across the organization.

Here’s what we're looking for:

• 8–10+ years of product design experience, including time spent in complex, technical, or large-scale product domains.
• A portfolio demonstrating extraordinary UX and visual design craft, with high-quality, polished product work.
• Proven ability to lead design direction, drive alignment, and influence cross-functional partners.
• Experience designing for deeply technical systems, financial workflows, or other complex problem spaces.
• Expertise in systems thinking, with the ability to translate complexity into clear, elegant, and scalable experiences.
• Experience contributing to or evolving a des