---
title: 'Decision Scientist, Risk at Plooto'
canonical: 'https://feeny.ai/job/decision-scientist-risk-plooto-canada-bw5x1rs2kqb9'
type: 'job'
last_seen: '2026-09-08'
---

# Decision Scientist, Risk at Plooto

- **Company:** Plooto
- **Location:** Canada
- **Work type:** remote
- **Posted:** 2026-08-20
- **Last confirmed live:** 2026-09-08
- **Apply:** https://job-boards.greenhouse.io/plootocareers/jobs/5396524008

## Job description

## Role Overview

The Risk Decision Scientist will support the ongoing optimization of Plooto’s payment risk decisioning, using data, experimentation, and decision-science techniques to help reduce unnecessary manual reviews while maintaining strong loss performance.

This role will analyze the performance of risk rules, thresholds, customer segments, and review strategies and identify opportunities to improve decision precision. Working closely with Risk Operations, Product, Engineering, and Data, the successful candidate will turn analysis into practical recommendations that reduce customer friction and help Plooto’s risk controls scale as payment volume grows.

## What You’ll Do

- Monitor and analyze the performance of payment risk rules, thresholds, and manual-review strategies.
- Analyze transaction and customer data to identify drivers of false positives and unnecessary manual reviews.
- Develop and evaluate customer and transaction risk segments to improve decision precision.
- Identify and recommend changes to risk rules and thresholds within established risk and loss parameters.
- Design and evaluate experiments to assess new risk features, rules, and decision strategies.
- Investigate fraud and payment-risk patterns and translate findings into practical recommendations.
- Measure the impact of risk changes across review rates, losses, customer friction, payment delays, and operational workload.
- Build and maintain recurring monitoring and reporting to identify changes in risk performance and emerging issues.
- Partner with Risk Operations to understand manual-review drivers and identify opportunities for automation and process improvement.
- Use AI and automation tools to accelerate analysis, monitoring, and experimentation.

What Success Looks Like

- Analysis identifies actionable opportunities to improve payment-risk decisioning.
- Manual payment review rates decline as risk rules, segmentation, and automation improve.
- Payment losses remain within established risk thresholds as manual intervention is reduced.
- Fewer legitimate payments experience unnecessary manual-review delays.
- Risk Operations capacity scales more efficiently as payment volume grows.
- Risk rules and thresholds have clear performance monitoring and measurable outcomes.
- Emerging fraud and payment-risk trends are surfaced quickly and translated into appropriate action.

## What We’re Looking For

- 2–3 years of relevant experience in risk analytics, fraud strategy, payments risk, decision science, or a related quantitative role.
- Strong SQL skills, including experience analyzing large transactional datasets.
- Strong Python skills for analysis, experimentation, automation, and monitoring.
- Experience working with risk rules, machine learning models, segmentation, fraud signals, or decision strategies.
- Strong understanding of false positives, precision/recall, threshold optimization, experimentation, and risk-based decisioning.
- Ability to evaluate trade-offs between customer friction and financial loss within established risk parameters.
- Strong analytical judgment and comfort working with imperfect or incomplete data.
- Ability to translate complex analysis into clear, practical recommendations.
- Comfortable working independently on defined problems and collaborating with cross-functional partners.

Why Become a Plootonian?

You'll help lay the foundation for how Plooto hires during our next stage of growth.

You'll shape recruiting strategy, influence leaders across the company, experiment with AI-native ways of working, and build hiring practices that will have a lasting impact long after your engagement is complete.

If you're energized by building, coaching, finding remarkable people, and leaving things better than you found them, we'd love to meet you.

Our Commitment to Inclusion

Plooto is committed to building an inclusive workplace where people of all backgrounds, experiences, and perspectives can thrive. We know that great teams are built through diverse thinking, and we encourage you to apply even if your experience doesn't align perfectly with every qualification listed.

Accommodation is available throughout the recruitment process in accordance with applicable accessibility legislation. If you require accommodation at any stage, please let us know—we're happy to work with you.

This posting is for one available position. Compensation will be determined based on the successful candidate's knowledge, skills, experience, and overall alignment with the role.

## About Plooto

## Company Overview
- **One-liner**: Plooto is an all-in-one payment automation platform that helps small and midsize businesses and their accountants streamline accounts payable and receivable in one secure, easy-to-use solution.
- **Entity Type**: Private (Series B)
- **Headquarters**: Toronto, Ontario, Canada
- **Founded**: 2015
- **Founders**: Serguei Kloubkov (Co-Founder & Co-CEO), John McLane (CEO)

## Core Business
- **Primary industry/industries**: Financial Services, Fintech, Payment Automation
- **Target customers**: Small and Midsize Businesses (SMBs), Accounting Firms, Bookkeepers
- **Mission or purpose statement**: To put businesses in control of their finances so they can build the future of their dreams.

## Products & Services
- **Accounts Payable (AP) Automation**: Automates the entire bill payment process, from invoice receipt to approval and payment execution. Includes custom approval workflows, two-way sync with accounting software (QuickBooks, Xero, NetSuite), and real-time payment tracking.
- **Accounts Receivable (AR) Automation**: Automates the invoicing and collections process, sending invoices, collecting payments, and syncing back to accounting software for full cash flow visibility.
- **International Payments**: Facilitates cross-border payments with competitive exchange rates, clear fees, and built-in compliance for paying international vendors.
- **Payment Options**: Supports EFT/ACH, credit card, foreign exchange, and instant payments via a pre-funded Plooto Instant account.
- **Accounting Software Integration**: Two-way sync with QuickBooks, Xero, and NetSuite for seamless reconciliation and data entry reduction.

## Market Standing
- **Valuation/Market Cap**: Not publicly disclosed
- **Key Metric**: Annual Revenue of $35.0M (USD) and Total Funding of $29.4M (USD)
- **Notable Investors/Partners**: Centana Growth Partners (led Series B), FINTOP Capital (led Series A). Key integrations with QuickBooks, Xero, and NetSuite.
- **Growth Signals**: Supports 14,000+ businesses, processes 3.2M+ transactions annually, has grown headcount 5.6% year-over-year to 81 employees, and has a presence in Canada, the United States, India, and the United Kingdom.

## Competitive Advantages
- **Deep Accounting Integration**: Two-way sync with QuickBooks, Xero, and NetSuite creates a sticky ecosystem for accounting firms and their clients, reducing manual data entry and errors.
- **Unified AP & AR Platform**: Combines both accounts payable and receivable in a single platform, offering a complete cash flow management solution that competitors often split into separate tools.
- **Customizable Approval Workflows**: Provides granular control over payment approvals, reducing firm risk and ensuring compliance, which is a critical need for accounting firms.
- **Built-in Compliance for International Payments**: Simplifies complex cross-border payments with transparent fees and regulatory compliance, a key pain point for SMBs.

## Strategic Focus
- **Deepening Accounting Ecosystem**: Continuing to strengthen integrations with major accounting platforms (QuickBooks, Xero, NetSuite) to become the default payment layer for accounting firms.
- **Product Expansion**: Building out a more complete cash flow management platform that unifies payments, processes, control, reconciliation, and reporting.
- **Scaling Customer Base**: Growing beyond 14,000 businesses by expanding sales and marketing efforts, particularly in the US and international markets.
- **International Growth**: Expanding presence in the United States, India, and the United Kingdom to capture a larger share of the global SMB payment market.

## Why Work Here
- **Meaningful Impact**: Employees directly shape how thousands of businesses run and grow, with a clear mission to empower SMBs.
- **Growth Opportunities**: The company invests in learning and development, and the fast-growing fintech environment offers career advancement.
- **Inclusive Culture**: Celebrated diverse perspectives, with 86% of employees rating it a great place to work (vs. 60% at a typical company) according to Great Place to Work® Canada.
- **Flexibility and Balance**: Supports hybrid and remote-friendly ways of working, with many roles listed as "Remote - Canada" or "Remote - India."
- **Forward Momentum**: Part of a fast-growing fintech that is constantly evolving, with a clear product roadmap and international expansion.
- **Engineering Culture**: The engineering team is a core part of the business, with a Senior Backend Engineer role currently open. The company values data-informed learning and taking smart risks.
- **Hiring Process**: A structured 4-step process: Screening interview → Take-home or on-call case study → Final interview → Reference & background checks → Offer.

## Sources
1. [plooto.com](https://www.plooto.com/)
2. [plooto.com/careers](https://www.plooto.com/careers)
3. [job-boards.greenhouse.io](http://job-boards.greenhouse.io/plootocareers)
4. [greatplacetowork.ca](https://www.greatplacetowork.ca/en/certified-company/z4870188000002257001)
5. [linkedin.com](https://ca.linkedin.com/company/plooto)

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