Pave

I'm excited to share our November product updates! Pave launched tools that give you more control and transparency; from catching discrepancies between what applicants say and do, to choosing exactly which accounts power your models while staying compliant. Turn Self-Reported Data Into Valuable Insights; 54 new attributes to highlight differences between stated and actual financial data, strengthening repayment prediction. Stay Compliant & Optimize Models With Attribute Controls; Control allowable accounts to ensure compliant, high-quality attribute computation. Unlock Institution-Level Risk Insights; Use institution IDs to enhance segmentation and risk modeling. Gain Transparency With Raw Balance Attributes; 54 new raw balance attributes provide transparency into balance trends and signals for fraud and risk models. If you're interested in learning more, feel free to send me a message!

Got this note from a customer this morning about their migration to Pave: “Things like uptime were night and day for our current experience.” Uptime and reliability should be table stakes, but anyone running critical infrastructure knows how outages, even from the biggest platforms, can disrupt decisioning. When your scoring and analytics sit in the decisioning flow, reliability determines whether lenders can decision, fund, and operate without interruption. This is hard engineering work, and it’s often underestimated until something breaks. Feedback like this is a reminder of why we’ve invested so much in building a dependable foundation. Props to our amazing engineering team Yacine Nouri Sailesh Patnala Berkay Öztürk Joshua Ugba Lennon Chimbumu

We're proud to welcome Niket Mehta as a Data Analyst 🎉 Niket brings a unique blend of data and fintech experience, having worked at a fast growing startup modernizing employee benefits, and previously at First Citizens Bank, where he supported critical, revenue-impacting analytics functions. With a strong foundation of how analytics drive business outcomes, Niket will help us continue advancing how lenders use cashflow-based repayment predictions to expand approvals while maintaining strong performance. We’re excited to have Niket on board as we scale Pave’s impact across consumer and SMB lending.

More lenders are realizing how much real-time data changes what’s possible in credit underwriting. Credit reports are delayed snapshots, updated monthly and often missing major changes in a borrower’s financial health. Real-time cashflow and balance data can show a 30–40% difference from what the bureaus report. That gap matters when deciding who gets a second look or a better offer. We’re seeing growing interest in combining cashflow analytics with live balance insights to: 1) Recalculate debt-to-income dynamically 2) Detect credit stacking or early signs of financial strain 3) Identify recoverable declines (borrowers who were wrongly declined by static models) To be the best at lending, decisions have to be made on the freshest data possible.

We're excited to welcome Amin Azad to the Pave team ! 🎊 Amin brings a rare blend of entrepreneurial grit and data-science mastery. Early in his career he co-founded a venture in shared mobility and another in food manufacturing—so he knows how to build from scratch and move fast. Since then, he’s developed deep quantitative and ML expertise building predictive models, deploying data architecture, and tackling high-stakes fintech problems. At Pave, Amin will help power our next generation of tailored repayment-prediction models, bridging raw data into actionable insights so lenders can approve more borrowers while protecting against risk. Thrilled to have you on board, Amin. And when we asked him why he was excited about joining Pave, his answer was short and sweet - "Cause FICO is too old 😂."

In the early days of Pave, I sent hundreds of cold messages like this one. No brand. No website. Just an idea that lenders could understand repayment risk better through cashflow data. Most people didn’t reply. A few did. And some of those early conversations turned into our first customers - including one that’s now among our largest today. Looking back, I remember how uncomfortable it felt at first - reaching out cold, trying to explain a half-built product in one sentence, and wondering if anyone would care. But those messages taught us everything: • how to talk about what we were building • what problems actually resonated • and that every big partnership starts with a small, genuine ask The screenshot below was one of those first messages. We learned just by watching how people responded (or didn’t.) That process built a kind of resilience and patience I didn’t have before. The willingness to keep iterating long after it feels exhausting or pointless. Most of building is like that - pushing through the stretches when it feels like it’s not working. But every time you go a little longer than you think you can and finally hit a breakthrough, you build endurance for the next one.

Pave is proud to welcome Pearse Lenz as our Head of Product Marketing 🎉 Pearse brings hands-on experience building in fintech from the ground up, as an early team member at a startup modernizing employee benefits and as a founder himself. He’s spent his career shaping go-to-market strategy and product positioning for financial products that rethink how people access and manage money. At Pave, Pearse will lead our product marketing efforts — helping more lenders and capital providers understand how tailored, near-term repayment predictions expand approvals while keeping defaults low. We’re excited to have Pearse on board as we scale Pave’s impact across consumer and SMB lending.

Excited to share that we just closed our largest contract at Pave ! 🎉 This one pushed us technically, operationally, and as a team. The customer had complex requirements and high expectations. We had to prove that what we’ve built can scale, adapt, and actually move the needle on performance. Engineering figured out how to make deployment flexible without slowing things down. Product made integration feel easy. Data Science and Analytics showed measurable lift. And Biz Dev stayed with it through months of negotiations and pricing conversations that could’ve gone either way. The win was earned in the day-to-day work: the long calls, the iterations, the follow-through. It reflects how far the product and team have come. Grateful to work alongside people who care deeply about what we’re building and the customers we’re building it for. Onward! 🚀