Pipe

• Own the performance and outcome of all deployed statistical and machine learning models, ensuring a seamless translation from data science output to effective underwriting decisions and measurable portfolio results. • Establish rigorous monitoring and feedback loops between model outputs and real-world credit outcomes. • Drive use of alternative data (transaction-level signals, partner platform data, behavioral indicators) to improve model accuracy and expand approval rates. • Own model risk governance including model documentation, validation processes, and ongoing performance standards across all deployed models. • Direct the end-to-end credit strategy, translating risk models and data insights into a cohesive set of underwriting policies, approval strategies, and pricing frameworks to deliver target loss and growth performance. • Own approval logic, pre-qualification strategies, and credit limit frameworks that balance growth targets, merchant experience, and credit loss thresholds. • Set minimum acceptance criteria aligned with Pipe's risk appetite while optimizing approval rates, customer lifetime value, and capital facility performance. • Design and implement pricing frameworks to ensure appropriate loss coverage and positive borrower selection. • Own portfolio performance reporting and forward-looking risk adjustments across all credit products. • Build early-warning systems and structured decision processes that enable fast, disciplined credit strategy adjustments. • Ensure portfolio resilience across economic cycles through proactive monitoring and timely action. • Act as the primary owner of our data quality roadmap, identifying discrepancies and driving technical solutions to resolve them. • Proactively identify and acquire net-new data sources (internal or third-party) to solve for missing signals and improve model accuracy. • Translate business requirements into clear data engineering and infrastructure specs, ensuring we have the right inputs for reliable, scalable risk decisioning. • Work closely with Risk Operations to ensure credit strategy is implemented reliably in production systems and iterated quickly based on portfolio results. • Partner with Capital Markets and Finance on loss forecasting, reserve setting, and risk appetite frameworks; manage credit policy to maintain compliance with facility covenants and triggers. • Collaborate with Product and Engineering to build scalable decisioning infrastructure that enables rapid strategy iteration. • Lead a team of seven risk specialists responsible for model building, credit strategy translation, and portfolio monitoring. • Create clarity, momentum, and accountability while maintaining a sustainable pace of execution. • Build a culture of analytical rigor, pragmatism, and bias for action.

• Own the technical design of partner integrations, from APIs to workflows, ensuring scalability, security, and compliance. • Guide partners through integration with Pipe’s APIs from scoping to launch, while managing timelines, deliverables, and cross-functional coordination across multi-geo rollouts. • Diagnose and resolve partner issues quickly, working with engineering teams when necessary. • Translate complex requirements into simple, actionable solutions that accelerate partner go-lives and revenue impact. • Act as the connective tissue between sales, product, engineering, risk, and compliance to ensure smooth launches. • Create and refine documentation, solution design docs (SDDs), statements of work (SOWs), playbooks, and other reusable assets that speed up and standardize future integrations. • Build confidence with partners by delivering joint test plans, data-share templates, Postman collections, and other technical resources that make integrations smoother and more transparent. • Earn credibility with senior level stakeholders by demonstrating both technical fluency and business acumen.

• Design and implement scalable, reliable cloud infrastructure solutions for business-critical applications and services • Collaborate with engineering teams to ensure infrastructure meets their requirements and is easy to use • Maintain a strong security posture through close collaboration with the security team to ensure compliance with industry standards and regulations • Monitor and troubleshoot infrastructure issues and drive timely resolution • Automate infrastructure deployment and management processes to improve efficiency and reduce manual work • Participate in on-call rotation to support critical infrastructure issues

• Partner with senior scientists to forecast cash flows and other drivers of business health using statistical and ML modeling. • Design and build models that make our capital products better for customers and deliver positive return assets. Sharper pricing, lower losses, growth and offers that fit how SMBs actually run. • Proactively mine our datasets for insight, and prototype new models that move the needle for customers and the business. • Own model outcomes end-to-end. Not just deployment bespoke to the platforms Pipe serves (e.g., UberEats and Housecall Pro), but ongoing performance, residual analysis, drift detection, and the judgment calls about when a model needs to be retrained, replaced, or retired. You'll work closely with product, risk peers and engineering to make this real in production.

• Perform month-end close activities including journal entries, account reconciliations and the consolidation of international subsidiaries • Prepare monthly/quarterly flux analysis and internal reporting packages • Manage the accounts payable process, including vendor invoice processing, receipt matching, credit card transactions and ensure compliance with corporate policies • Perform treasury operations, including daily and weekly cash postings and reconciliations between multiple subsidiaries and currencies, initiating and tracking intercompany transfers and assisting with short-term cash flow forecasting • Provide audit support and tax compliance documentation • Help identify and implement opportunities for process improvements • Assist in the preparation of financial statements and investor reporting • Assist with ad hoc financial analysis and special projects as needed

• Independently developing and owning statistical models that forecast cash flows and other drivers of business and customer health. • Designing and building models that optimize our product offerings to better serve our customers' needs. • Proactively exploring datasets to surface insights, and prototyping new approaches that create measurable value for customers. • Taking full outcome ownership of deployed models, including performance monitoring, residual analysis, and iteration, in close collaboration with engineering. • Mentoring junior team members, raising the technical bar through code and design review, and contributing to our data science best practices and long-term tooling roadmap. • Partnering with engineering and data engineering to productionize models, shape data infrastructure requirements, and improve our MLOps foundations.

• Review and help design robust security standards and monitoring • Maintain and improve our policy-as-code platform to enable rapid detection and response • Work closely with our Infrastructure team to ensure cloud-based deployments have proper monitoring and adhere to our policies • Manage SOC II audits, set a high standard for compliant software and processes, and ensure we consistently meet those standards • Participate in on-call rotation to support critical security issues • Own the vulnerability disclosure program and triage inbound reports to security@ • Run periodic tabletop exercises and incident response drills • Maintain security policies and lead recurring reviews (e.g., firewall changes, security reviews) • Lead responses to partner and customer security questionnaires • Maintain the security risk register, track remediation, and produce periodic security metrics for leadership

• Own the full commercial relationship for a portfolio of strategic partners, including revenue performance, growth targets, and joint business planning on a quarterly and annual basis. • Coordinate commercial expansions, renewals, and upsell opportunities; identify and execute new initiatives within each partner ecosystem. • Track and forecast partnership-driven revenue and key performance metrics; use data to develop and refine growth strategy. • Own the relationship at every level; business, product, and technical, and be the person your partners rely on to get things done. • Lead regular partner touch points and QBRs; proactively surface blockers and opportunities before they become issues. • Develop genuine command of each partner’s business model, competitive position, and priorities; use that understanding to drive proactive growth initiatives. • Coordinate across internal teams; Product, Engineering, Marketing, Legal, Finance, and Risk, to fulfill partnership commitments and drive joint initiatives forward. • Translate partner needs into clear internal requirements and briefs; champion partner priorities in roadmap and resource conversations. • Partner with Marketing to develop and execute co-marketing, co-selling, and go-to-market plans that drive revenue. • Identify and scope expansion opportunities within the existing portfolio, including deeper integrations, new use cases, and geographic expansion. • Build the playbooks and frameworks that scale the partnerships function.

• Own the end-to-end product lifecycle for merchant capital UX, partner-facing APIs, and the servicing and money movement flows underneath them. • Develop and maintain a prioritized roadmap tied to specific conversion, adoption, money movement, and margin outcomes. • Partner directly with engineering on API and rails design; webhook patterns, idempotency, reconciliation, failure handling, partner sandbox experience, and the operational realities of working with payment providers. You should have opinions here, not just relay them. • Run user and partner research: talk to merchants, sit with partner engineering teams, watch real usage. • Write specs tight enough that engineering can build from them and product reviews can challenge them. Define, monitor, and analyze metrics yourself; pulling your own SQL when you need to. • Drive cross-functional alignment across Engineering, Design, Risk, Legal, Marketing, Capital Markets and Partner Success.

• Manage relationships with new and existing investors and lenders • Develop and maintain robust financial and operating models to support strategic planning, forecasting, and resource allocation • Track and analyze operating expenses, key financial metrics, and strategic goals, and provide detailed analysis and commentary on performance-to-plan • Support operational needs for existing funding deals, including cash management and allocation of originations to facilities • Produce periodic reporting and monitor facilities, including develop requirements for automation to improve efficiencies and reduce operational and forecast financial risk • Analyze and manage allocation of assets across multiple funding channels to optimize funding efficiency and liquidity availability • Support short-term liquidity forecasting and monitoring to ensure adequate funding availability across funding facilities and corporate treasury accounts • Support treasury operations including liquidity management, cash positioning, and coordinate fund movements between corporate accounts, funding facilities, and partner payment flows • Manage and validate funding data pipelines including funding tapes, facility eligibility datasets, and reconciliation of asset-level data used in reporting and borrowing base calculations • Collaborate with Product, Underwriting/Risk, Finance, Engineering, and Legal to maintain and improve funding program design, data pipelines, and operational workflows supporting capital markets and FP&A processes