Pipe

Risk

• 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.

Head of Risk, Decision Science – Portfolio Strategy

Account Manager

• 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.

Strategic Partnerships Manager

Accountant

• 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

Staff Accountant

Solutions Engineer

• 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.

Senior Solutions Engineer

Data Scientist

• 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.

Senior Data Scientist

Security Engineer

• 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

Lead Security Engineer

Infrastructure Engineer

• 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

Lead Infrastructure Engineer

Product Manager

• 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.

Junior Product Manager

• 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.