---
title: 'Backend Engineer at pave.dev'
canonical: 'https://feeny.ai/job/backend-engineer-pave-dev-los-altos-cphv564abe8h'
type: 'job'
last_seen: '2026-09-09'
---

# Backend Engineer at pave.dev

- **Company:** pave.dev
- **Location:** Los Altos, CA
- **Employment:** full-time
- **Work type:** remote
- **Posted:** 2025-07-29
- **Last confirmed live:** 2026-09-09
- **Apply:** https://jobs.gem.com/pave/am9icG9zdDqbeuQePbvRSfxl9U8y3HaT

## About pave.dev

## Company Overview
- **One-liner**: Pave builds AI-powered cashflow analytics and credit risk models that help lenders increase approvals for underserved consumers and SMBs without increasing risk.
- **Entity Type**: Private (Seed stage, ~$6.8M total funding)
- **Headquarters**: Los Altos, California, United States
- **Founded**: 2020
- **Founders**: Raymond Rouf (Co-Founder, CEO) and Ema Rouf (Co-Founder, President)

## Core Business
- **Primary industries**: Financial Services / Credit Risk Analytics / Fintech Infrastructure
- **Target customers**: B2B — consumer and SMB credit risk teams, lenders, fintech developers, and financial institutions
- **Mission**: "Build a future where every person and business has access to equitable credit solutions" by transforming transaction data, loan performance outcomes, and credit reports into cashflow-driven attributes and scores.

## Products & Services
- **Cashflow-driven Attributes & Scores**: Core scoring product that helps lenders identify healthy underserved borrowers, increase approvals, optimize credit limits, and improve collections outcomes.
- **Custom Credit Risk Models**: Tailored models tuned to a lender's specific borrower segments and risk events, trained on over a billion monthly transaction and outcome events across Pave's network.
- **Cashflow Analytics APIs (pave.dev)**: A developer-friendly API product that provides fintechs with a unified view of their end customers' cash flow and financial profile.

## Market Standing
- **Valuation/Market Cap**: Not disclosed (private company)
- **Key Metric**: Total funding — $6.8M raised across seed rounds (2021 and 2023), plus an earlier pre-seed round in 2020 led by Better Tomorrow Ventures
- **Notable Investors/Partners**: Better Tomorrow Ventures (led pre-seed); seed round included 7 investors (names not publicly listed). Recent strategic partnership announced with Newfront in February 2025, though this appears to reference a similarly named company (Pave compensation management) and should be treated cautiously.
- **Growth Signals**: The company is actively hiring across data science, ML engineering, and full-stack engineering; has a distributed workforce across the US, Canada, and the UK; continues to expand its network with "over a billion monthly transaction and outcome events."

## Competitive Advantages
- **Network data moat**: Models learn from a large and growing dataset of monthly transaction and loan outcome events, making it harder for competitors with less data to match accuracy.
- **Focus on underserved segments**: Proprietary cashflow analytics unlock credit access for consumers and SMBs whose data is invisible to traditional credit scoring systems.
- **Custom model tuning**: Rather than one-size-fits-all scores, Pave tunes models to each lender's borrowers and specific risk event, improving approval rates without raising risk.
- **Mission alignment with measurable impact**: Every project is evaluated on whether it increases financial access or reduces risk, keeping the product and engineering teams focused on outcomes that matter.

## Strategic Focus
- **Expanding financial inclusion**: Increasing approvals for underserved borrowers and reducing defaults for lenders through AI-powered cashflow intelligence.
- **Deepening the data network**: Continuing to grow the number of monthly transaction and outcome events that power its scores and models.
- **Hiring and team growth**: Building out data science, ML engineering, and full-stack engineering capacity to accelerate product development.
- **Product expansion**: Evolving from credit scoring into broader financial insights APIs for fintech developers.

## Why Work Here
- **Mission-driven culture**: Employees work on technology that impacts millions of underrepresented borrowers, with a focus on equitable credit access.
- **Remote-first flexibility**: Open positions are remote across North America (and some roles in Central/South America); employees can work from home or a remote office and set schedules that optimize for productivity, health, family, and wellbeing.
- **Competitive pay and equity**: Equity compensation is part of every package; posted salary ranges include $100K–$180K for Data Scientists, $130K–$200K for ML Engineers, and $110K–$180K for Full Stack Engineers, plus 0.1%–1.0% equity.
- **Benefits and perks**: Comprehensive health, dental, and vision coverage; 401k retirement plan; home office stipend; quarterly in-person offsites; 15 days of PTO.
- **Small, senior team**: Fast-moving environment with founding engineers and specialized data science leadership, offering autonomy, speed of execution, and a candid, supportive team.

## Sources
1. [Pave Careers](https://www.pavefi.com/careers)
2. [Pave About](https://www.pavefi.com/about)
3. [The Org - pave.dev](https://theorg.com/org/pave-dev)
4. [LinkedIn - pavefi](https://linkedin.com/company/pavefi)
5. [LinkedIn - pave-dev](https://linkedin.com/company/pave-dev)

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