Senior Product Data Scientist, Risk and Payments

About Owner.com

Owner is the all-in-one platform that restaurants use to succeed online. Thousands of restaurant owners use our tools to build their website, drive online orders, create their own branded app, manage their customer relationships, and set up marketing automations. You can think of it as Shopify meets HubSpot, but specifically for restaurants.

Learn more about the problems we are solving for our customers here.

Our vision

We’re starting by helping independent restaurants succeed online. It’s not just restaurants that need our help; most local businesses face the same problems. Huge technology corporations are taking their customers, bleeding profits, and making it hard for them to survive. Once we nail the solution for restaurants, we’ll scale it into every other local business type. In the future tens of millions of local business owners will use our technology to succeed in the digital age.

Our traction

In just over 3 years we have generated tens of millions in revenue, served millions of guests, and processed hundreds of millions of online orders. More importantly, we have helped thousands of restaurant owners save their businesses and thrive.

Our team

Our team grew from under 100 to nearly 200 talented people in 2024. We’ve got top talent from successful SMB software companies, including Shopify, HubSpot, DoorDash, ServiceTitan, Rappi, Faire and Stripe. We’ll be scaling even faster in 2025 to keep pace with our customer growth.

Where we work

Owner is a remote-first, global company headquartered in San Francisco, with a sales hub in Toronto. For a few roles we prioritize in-person collaboration at an office location. Most teammates are distributed around the globe. Review the role description and discuss with your recruiter for location details.

Why we’re looking for you

We’re building an effective, impactful Product Analytics function at Owner.com. As a Risk & Payments Data Scientist, you will help shape the product roadmap with Product Managers to establish proper metrics and impact sizing, drive experimentation initiatives, and manage the testing framework. You will design and implement KPIs for our payments product squad, identify gaps and opportunities that will grow the business, and act as a strategic driver to deliver meaningful business impact.

We’re migrating from Stripe Standard to Custom Connect / Adyen for Platforms, which means we’ll own more of the risk surface : merchant onboarding / underwriting, fraud detection, dispute mitigation, reserves, and payout risk. As a Risk Data Scientist you will build the models, signals, and decisioning that protect our merchants and our P&L while keeping conversion high and friction low.

For this role we are focused on candidates located in the San Francisco Bay Area. We are a remote-first company with a home base in SF, where our team sometimes comes together for in-person collaboration (most local teammates opt to come in on Tuesdays / Thursdays). For more details chat with your recruiter!

💥 The impact you will have

• Payments modeling :
• Cut losses without killing conversion : Ship ML models that reduce fraud / chargebacks and credit losses while maintaining checkout auth rates and onboarding pass-through.
• Accelerate safe growth : Create merchant risk scores and dynamic controls (e.g., reserves / holdbacks, payout delays) that scale to 10k+ restaurants.
• Give Ops superpowers : Build signals, alerts, and tools that let our Payments Ops / Risk Ops team review what matters—and automate the rest.
• Make risk measurable : Define loss budgets and risk SLIs / SLOs; deliver dashboards that make risk tradeoffs explicit.
• Build and maintain ML models for merchant underwriting, transaction fraud, chargeback propensity, payout risk .
• Design reusable frameworks for feature generation, model training, deployment, and monitoring so we can add new models quickly without reinventing the wheel.
• Payments analytics :
• Own analytics for payments, billing, and risk features , from user checkout experience to internal financial reporting.
• Monitor and improve critical KPIs such as payment success rate, failed payment recovery, fraud rates, chargeback volume, and revenue leakage. Set up monitoring for drift, stability, and business KPIs, with automated alerts.
• Identify and size revenue & risk opportunities across the payments funnel (from checkout to Stripe to invoice collection).
• Partner with Product Managers on AB tests and experiments related to payments UX, fraud flags, or risk workflows.
• Collaborate with Engineering to instrument new product features and ensure great event tracking and data integrity in payment flows.
• Enhance product planning influencing product planning through informative impact sizing, enabling more strategic decision-making.
• Improve data Integrity and quality : Collaborate with developers on database design to strengthen data integrity and quality.
• Establish a Single Source of Truth (SSOT) : Work alongside Data & Analytics Engineers to implement robust models in DBT and Snowflake, and design dashboards that provide a unified view of business-critical data. Integrate third-party and processor signals (Stripe Radar, Adyen RevenueProtect, device / identity data) into our models.

🤝 Who you’ll work with

✅ What we're looking for

Notice - Employment Scams

Communication from our team regarding job opportunities will only be made by an Owner team member with an @owner.com email address. We do not conduct interviews over email or chat platforms, and we will never ask you to provide personal or financial information such as your mailing address, social security number, credit card numbers or banking information. If you believe you are being contacted by scammer, please mark the communication as phishing or spam and do not respond.

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