Senior Product Analyst, Payments

About Owner.com

Owner is the AI growth system for local restaurants.

Owner's AI continuously improves SEO, marketing, and online ordering to grow first‑party orders. Unlike other companies that force small business owners to master their software to drive sales, Owner gives them a proven system run by experts.

Owner is like having an army of engineers and marketers on your side, just like the big chains.

Our vision

We’re starting by helping independent restaurants succeed online.

Most local businesses are struggling with these same problems. Huge technology corporations are taking their customers, bleeding their 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 we envision tens of millions of local business owners using our technology to succeed in the digital age.

Our traction

Since 2020, we've generated tens of millions in revenue and processed over half a billion dollars of online orders. 1 in 5 Americans have used Owner.com.

More importantly, we’ve helped over 20,000 restaurant owners, and saved them nearly $200 million in fees.

Our team

Our team is now in the low hundreds. We’ve got top talent from the most successful companies in SMB software, including Shopify, HubSpot, DoorDash, ServiceTitan, Rappi, Faire and Stripe.

We’ll be scaling even faster in 2026 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 of our roles we prioritize in‑person collaboration at one of our office locations. Most of our teammates are distributed throughout the globe. Please review the role description and discuss with your recruiter for more details on location.

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 play a pivotal role in shaping the product roadmap through close collaboration with Product Managers to establish proper metrics and impact sizing. You will drive experimentation initiatives and manage the testing framework. You will be instrumental in designing and implementing KPIs for our payments product squad, identifying gaps and potential opportunities that will help grow the business. The best candidates will not just provide insights to the EPD (Engineering & Product) org, but be a strategic driver, identifying gaps / opportunities in the money & risk area, building internal alignment around them, and creating meaning business impact.

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

For this particular 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 comes together for periodic 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 :

Who you’ll work with

What we’re looking for

Pay and benefits

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 a scammer, please mark the communication as “phishing” or “spam” and do not respond.

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