Owner.com · 2 days ago
Senior Product Data Scientist, Risk and Payments
San Francisco Bay Area
Full-time
Hybrid
Mid, Senior Level
4+ years expOwner.com is building an effective Product Analytics function and is seeking a Risk & Payments Data Scientist. In this role, you will collaborate with Product Managers to establish metrics, drive experimentation initiatives, and design KPIs for the payments product squad, ultimately helping to grow the business and protect merchants.
Responsibilities
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
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
Qualification
Required
4–8+ years in applied ML or risk data science (fintech/payments, marketplace, or anti-fraud)
Hands-on with Python, SQL, and ML libraries/frameworks; comfortable with MLflow (or equivalent), and feature stores
Proven track record shipping production models that materially reduced losses or improved conversion; strong offline evaluation + online experimentation skills
Deep familiarity with payments/risk concepts: KYC/KYB, underwriting, auth vs capture, chargebacks, friendly fraud, card testing, reserves, payout returns, soft/hard declines
Strength in feature engineering on messy, imbalanced data; rigorous cost-sensitive evaluation (ROC/PR, cost curves, business impact)
Excellent communicator who can turn model output into clear decisions and dollarized tradeoffs
Strong grasp of metrics design, experimentation, and product funnel analysis
Ability to handle ambiguity, deep dive into financial systems, and proactively flag problems before they escalate
KPI Development: A proven track record of developing KPIs and metrics tailored for product squads, particularly within a startup environment
Data Product Expertise: Ability to build comprehensive end-to-end data products
Organizational Skills: Highly organized with a keen eye for precision
Preferred
Prior experience in SaaS and/or startup environments is highly preferred
Experience in the restaurant industry is an added advantage
Company
Owner.com
Owner.com makes online growth easy for restaurants. Our software helps local restaurants compete — and win against — big corporations.
201-500 employees
H1B Sponsorship
Owner.com has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (4)
2024 (1)
2023 (1)
Funding
Current Stage
Growth StageLeadership Team
Adam Guild
Co-founder & CEO
Dean Bloembergen
Cofounder & CTO
Recent News
2024-01-31
Company data provided by crunchbase