Sr. Director of Risk Data Science & Credit Strategy

Sr. Director of Risk Data Science & Credit Strategy

Pipe is the modern capital platform built to connect entrepreneurs and business owners to fast, frictionless, dilution‑free financing. Pipe turns all forms of revenue into up‑front working capital to help companies improve cash flow, scale operations, and grow on their terms.

About the risk team

Robust credit risk & data science capabilities sit at the heart of this platform and enable delivery of credit losses in line with our risk appetite while providing outstanding experience to businesses on our platform. These risk capabilities are evolving to have industry leading discrimination and become a sustained source of competitive advantage for Pipe & value addition to our merchant partners. Risk scorecards and credit strategy logic are housed within a nimble and modern infrastructure to enable decisioning of millions of customers and transactions with a very high degree of precision & accuracy.

About the Role

Oversee development of statistical models using cutting edge ML techniques that have industry leading discrimination

Develop underwriting policy to set the minimum acceptance criteria and policy declines for segments outside of Pipe risk appetite

Design innovative approval and product qualification strategy to maximize approval of applications while ensuring delivery on credit loss target

Develop pre‑approval & pre‑qualification strategy and credit limit assignment to optimize on lifetime customer value

Create pricing / Interest rate logic to ensure that assets have adequate loss coverage while creating positive borrower selection and high take up rate

Partner with product & engineering and data science teams to conceptualize & deploy state of the art infrastructure capabilities that enable nimble iteration of credit strategy

Create robust tracking processes to closely monitor & report performance of the portfolio ensure that approval rates and credit performance is tracking in line with expectation

Have thoughtful approach to portfolio construction to ensure that the assets that we create are resilient through the cycle and have strong appeal for debt investors in terms of risk adjusted margin

Deploy appropriate forward looking adjustments to credit strategy to ensure that risk logic continues to be appropriate through evolving macro economic scenario

Work with risk operations team to ensure that execution of risk strategies happens in line with agreed policies and incorporate ongoing feedback from manual reviews to enhance credit strategy

Experience

Minimum 10+ years of experience in working in commercial risk data science & credit strategy area for Fintech or Banking organization and at least 3-4 years in credit strategy for MCA product. Prior experience in calibrating credit strategy for MCA product is a must

Strong ML Ops with experience in overseeing ML model implementation and execution is highly desired

Skills

Strong analytical skills, deep experience / knowledge of small business risk management and underwriting principles and attention to detail.

Knowledge of merchant transaction data and ability to create deep insights & credit strategy based on the same

Experience in implementing risk logic within a decision engine

Ability to combine data insights with strong business judgment / intuition in calibrating risk models & underwriting strategy

Strong communication and interpersonal skills to influence stakeholders

Education

Master's in quantitative discipline such as, Math, Computer Science, Economics, Statistics preferred

Compensation and Benefits

The best equipment : if you want it, and it helps you do your job, we'll provide it. Computers, monitors, desks, chairs, headphones, speakers, microphones, webcams, keyboards, mice, etc.

A good work-life balance : we do our best work when we regularly can step away from it and live our lives.

Flexible vacation and work hours. We don't adopt conventional work practices that are meaningless for the type of work we do.

Parental leave for anyone who is growing their family, regardless of gender.

Very good health, dental, and vision insurance.

Great colleagues : we value a culture of authenticity, humility, and excellence. We want you to make a footprint on our culture.

The annual US base salary range for this role is $300,000 - $350,000.

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