Data Scientist - Credit Risk Modeling and Cash Flow Forecasting

About Pipe

Pipe builds cutting-edge embedded financial solutions to help small businesses and software companies build something bigger. We’re a remote-first team of problem solvers who build and ship at a high velocity. We’re customer obsessed and leave our egos at the door. If this sounds fun, join us!

The Role

We're looking for a hands-on Data Scientist who treats AI tooling as a core part of the craft. You'll work in an agentic development environment, such as Claude Code, Cursor, and similar, to build, ship, and iterate on statistical and ML models faster than a traditional DS workflow allows. The problems are real: credit underwriting, risk management, and cash-flow forecasting for SMBs across five countries. You'll learn a tremendous amount about fintech, and there's a significant career runway at Pipe.

Your key responsibilities will include:

• 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

Qualifications

We're looking for a motivated, curious Data Scientist with:

• 3-5+ years building ML models, including training, evaluation, and deployment.
• Fluency in Python and the standard stack (NumPy, Pandas, scikit-learn, etc.).
• Working comfortably with agentic coding tools (Claude Code, Cursor, or similar) and standard dev tooling (GitHub, VS Code).
• Strong fundamentals in probability, statistics, and machine learning.
• Clear written and verbal communication; comfortable collaborating across functions and surfacing progress, tradeoffs, and results.
• Bachelor's in CS, Applied/Financial Math, Statistics, Economics, or a related technical field. Master's is a plus, not a requirement.
• Bonus: prior experience in credit risk modeling, underwriting, or adjacent risk decision sciences (insurance pricing, actuarial, fraud) is a strong plus.

In general, you will be successful at Pipe if:

• You want to make a real dent at a fast-moving company.
• You hold yourself and your teammates to a high bar.
• You have a strong technical foundation and want to put it to work helping customers succeed.

Browse our curated collection of remote jobs across all categories and industries, featuring positions from top companies worldwide.

• You take end-to-end ownership and like working across functions.
• You want to be in an environment that values and rewards excellence.

Compensation and Benefits

We are a fully remote company and we believe in taking care of our employees. As a Pipe employee, you’ll receive:

• The best equipment to help you do your job.
• Flexible vacation and work hours. We believe in a healthy work-life balance (really!)
• Excellent health, dental, and vision insurance.
• Generous parental leave for anyone who is growing their family, regardless of gender.
• Great colleagues! We value a culture of authenticity, humility, and excellence. We want you to make a mark on our culture.

The annual US base salary range for this role is $150,000 - $180,000. This salary range may be inclusive of several career levels at Pipe and will be narrowed during the interview process based on a number of factors, including the candidate’s experience, qualifications, and location.