Senior Product Manager, Payments + Risk

Owner.com, Inc.; San Francisco (CA); On-site; USD 180,000 - 230,000; Full time

Job summary

An innovative company is seeking a Senior Product Manager for Payments & Risk to enhance fraud detection and payment systems. This role involves creating a strategic roadmap for payment infrastructure, optimizing user experiences, and collaborating across teams to deliver seamless payment solutions. As a remote-first organization, they offer flexibility while prioritizing in-person collaboration for specific roles. Join a talented team dedicated to empowering local businesses and making a significant impact in the fintech landscape. If you have a passion for product management in the payments sector, this is the opportunity for you!

Benefits

Unlimited PTO

Comprehensive Health Coverage

Generous Pre-IPO Equity Package

Work from Anywhere

Qualifications

• 8+ years of product management experience in payments and fraud detection.
• Strong analytical skills and operational mindset required.

Responsibilities

• Design the roadmap for maturing the Owner payments platform.
• Ship new Payment & Fraud related products and manage backlogs.

Skills

Product Management

Fraud Detection

Payment Security

Analytical Skills

Operational Mindset

Tools

Stripe

Adyen

Job description

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. But it’s not just restaurants that need our help. 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 will use our technology to succeed in the digital age.

Our traction

In just over 3 years we've generated tens of millions in revenue, served millions of guests, and processed hundreds of millions of online orders. More importantly, we’ve helped thousands of restaurant owners save their businesses - and not only survive, but thrive.

Our team

Our team grew from under 100 to nearly 200 talented people in 2024. 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 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 of our roles we prioritize in-person collaboration at one of our office locations. Most of our employees 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 are looking for a Senior Product Manager, Payments & Risk, to build and optimize our internal fraud detection, payment and security systems. You will create a roadmap for the payment infrastructure, manage product development, collaborate with partners to enhance offerings, and conduct market research to inform strategies.

This role will be responsible for maintaining our existing payment capabilities and developing a strategy around Payments to meet market demand in a new way via a Payments offering. Your work will be rooted in building a solution that brings value to our customers. As we scale our payments function, we want someone who has seen this journey before, understands how to optimize fraud detection and payment security, and can ensure we maintain a seamless customer experience.

If you have experience and have built extensively in the payments and fraud ecosystem, this role is for you!

For the right candidate, we are open to elevating this position to a Staff Level role. However, the final role level will be determined based on years of experience, industry background, domain expertise, and performance throughout the interview process as we progress toward the final stages.

This role is 100% remote, with a preference for folks to be in the Bay Area. Chat with your recruiter to understand what that looks like!

The impact you will have

• Design the roadmap for maturing the Owner payments platform, so we can fully control the onboarding and user experience for our customers, help them manage complex flows like KYC and chargebacks, and pass along the absolute best processing rates.
• Successfully ship new Payment & Fraud related products, including defining vision, strategy, outcome-driven product roadmaps and creating and managing backlogs.
• Expand our fraud detection abilities and build out remediation systems.
• Drive an application security roadmap in concert with engineering.
• Optimize payment integrations by identifying gaps in their processing and ensuring our customers get the best possible rates.
• Lay the foundation for a dedicated payments team as we scale, influencing the structure and strategy for long-term success.

Who you’ll work with

• Reports to: Chief Product Officer
• Dedicated Pod Structure: You will work closely with a team of engineers and a designer within an agile framework.
• Cross-functional Collaboration: Partner with engineering, product, finance, and customer support teams to drive seamless payment experiences.
• Executive Influence: Work alongside leadership to define and execute our payments and fraud strategy, setting the foundation for future scalability.

Minimum requirements

• 8+ years of product management experience with significant experience in payments, fraud detection, or fintech product management.
• Experience building solutions with transaction revenue or knowledge of pricing on transactions in general.
• Experience and working knowledge of payment players (esp Stripe or Adyen), ecosystems, incentives, and foundational systems.
• Proven experience working with payment infrastructure at scale- ideally in vertical SaaS providing payments to a large number of small businesses.
• Strong operational mindset—deep understanding of fraud detection, transaction flagging, and automation processes.
• Hands-on experience in payment security, MFA, and risk mitigation.
• Quick understanding of new fraud motives and sensible diagnosis of key control points.
• Strong analytical and quantitative skills with the ability to use data and metrics to back up assumptions and recommendations to drive actions.
• Proven ability to roadmap and execute quarterly plans, run sprints, and manage backlogs.

Pay and Benefits

• The estimated base salary range for this role is $180,000 - $230,000 USD plus a generous equity pre-IPO equity package. Actual pay will be determined based on several factors such as past experience and qualifications, geographic location, and other job-related factors permitted by law.
• Other benefits include comprehensive health coverage, work from anywhere (remote-first workplace), unlimited PTO - plus extra fun perks!

Notice - Employment Scams

Communication from our team regarding job opportunities will only be made by an Owner employee 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.