Billd For Chris

Construction Financing: A 90-Day CTO Plan

Chris, here’s your new CTO’s first 90 days. What to fix first, where AI pays off soonest, and what the hire should own.

If the CTO seat can stay open another quarter, ignore this. If it can’t, the next two minutes are worth it.

What we noticed

Four products on one platform, an AI-first development team, and a new $100 Million facility from Victory Park Capital on November 5.

Your Chief Technology & Product Officer posting went up on October 20, and it puts platform architecture, SOC 2, the data platform, the product roadmap and shipping code on one person, while the platform adds products.

Your products Material Financing, Pay App Advance, Flex Line and Predictable Pay all run on one platform. Flex Line launched nationally on October 27. Chief Technology & Product Officer posting
Your credit method A patented way to evaluate credit project by project. It is the asset that sets your platform apart, so it is the logic a new CTO must protect. Billd press page
Your funding and growth A new credit facility to expand financing means more volume through the platform, and more demands on reliability and reporting. Billd press page
Your stack and your team Python, Vue and TypeScript, PostgreSQL and AWS, with Salesforce preferred, and a development team you describe as AI-first. Chief Technology & Product Officer posting

Seen in your stack: Python (FastAPI) · Vue · TypeScript · PostgreSQL · AWS · Salesforce · HubSpot · Google Tag Manager

What your posting asks for

“Lead the next stage of Billd’s AI transformation, both in how we build software and in the products and tools our customers and teams use every day.”
“Own platform architecture and make the hard engineering and architecture decisions, including build-versus-buy.”
“Write, review, and ship code alongside the team.”
“Own information security, IT, cloud infrastructure, and physical facilities, including SOC 2 compliance, and ensure the platform meets the security and compliance standards expected of a financial services company.”
“Own Billd’s data platform, including warehouse, databases, and governance, so every team can get trusted answers on its own, increasingly through AI.”
“Own the product vision and roadmap, partnering with the VP of Product on strategy, prioritization, and delivery of customer-facing products.”

From your Chief Technology & Product Officer posting, posted October 20, 2026.

What changes for your new Chief Technology & Product Officer

Your new CTO starts with a plan: what to read in the platform and the data first, what to leave alone because the AI-first team is already working, where AI saves your credit, support and engineering teams time soonest, and a clear line between what they own and what a fractional lead can carry while they settle in.

Your new Chief Technology & Product Officer’s first 90 days

Three phases, each item with the reason it’s there and where that came from.

Days 1 to 30

Read the platform, keep the momentum

1
Read how all four products run on the platform
Your posting asks the CTO to own the platform behind four products. A first week of reading code and diagrams shows where the products share logic and where they don’t.
Source: Chief Technology & Product Officer posting
2
Ship something small with the team in the first weeks
The role writes, reviews and ships code. A small shipped change earns more trust than any plan.
Source: Chief Technology & Product Officer posting
3
Find out how the AI-first practices work day to day
Your team already builds with AI coding agents and review standards. The new CTO should learn them before changing them.
Source: Chief Technology & Product Officer posting
4
Read the SOC 2 evidence and the open findings
SOC 2 is part of the CTO’s job. The current state of controls and audits is a fast way to see how the platform is run.
Source: Chief Technology & Product Officer posting

Days 31 to 60

Data, reliability and the product line

5
Map the data platform from warehouse to the people who use it
Your posting wants every team to get trusted answers on its own, increasingly through AI. That starts with knowing who asks what today.
Source: Chief Technology & Product Officer posting
6
Set the reliability measures for the platform
The CTO owns delivery, reliability and uptime. A short list of measures lets the executive team see the platform’s health.
Source: Chief Technology & Product Officer posting
7
Sit down with the VP of Product and the GM of Financial Products
The posting splits product work among three roles. Agreeing who decides what comes before the roadmap.
Source: Chief Technology & Product Officer posting

Days 61 to 90

Roadmap, build-versus-buy and the team

8
Write the technology and product roadmap with the executive team
The posting makes the CTO responsible for strategy and the roadmap, with the executive team and the Board in view.
Source: Chief Technology & Product Officer posting
9
Make the first build-versus-buy calls, with reasons written down
Build-versus-buy decisions are named in the role. Writing the reason for each makes later reviews faster.
Source: Chief Technology & Product Officer posting
10
Set up how customer feedback and usage reach the roadmap
The posting wants processes for customer feedback and usage data. Subcontractors’ own stories already show what they value.
Source: Chief Technology & Product Officer posting

Where AI pays off soonest

Workflows from your own business, in the order they save your team time.

1 Credit and underwriting support with a person approving
Project-based credit evaluation is your core method. AI can pull and summarize project documents so credit staff review a complete file faster.
Source: Billd press page
2 Answers from the data platform for every team
Your posting wants trusted answers from the data platform through AI. A first assistant for the finance and account teams, built on governed data, shows what that looks like.
Source: Chief Technology & Product Officer posting
3 Subcontractor questions answered from your own pages
Your FAQs cover how pay applications work, repayment terms and approval requirements. An assistant answers those first, so account managers handle the real conversations.
Source: Billd FAQs
4 Customer stories drafted from account data
Your customer stories show contractors doubling revenue or avoiding bank-line limits. Drafts from account data, approved by the customer, keep new stories coming.
Source: Customer stories page

What the hire owns, and what a fractional lead covers

Your Chief Technology & Product Officer owns

Technology and product strategy, and the Board conversation
Platform architecture and the build-versus-buy decisions
Security, SOC 2 and cloud operations
The data platform and governance
Hiring and developing product and engineering leaders

A fractional lead covers

Where AI pays off soonest in credit, support and the data platform
AI governance for financial data, written with your compliance lead
Tool and vendor choices, reviewed with you before anyone connects them
This 90-day plan, run alongside the hire until it’s theirs

Your first 90 days of tech leadership, planned

The plan above is yours either way.

Email Kash

We build a handful of these a month, for founders hiring now.

90 days

from the first day to a written roadmap

What to fix first, with the reason
Where AI pays off soonest
What the hire owns and what a fractional lead covers
A roadmap your team can run

Who’s building it

Kash Badami was Chief Architect of a national health information network and closed the CMS deal behind Healthcare.gov’s data infrastructure. He runs his own company on AI today.

Chief Architectof a national health information network for HHS, aligning 23 federal agencies

$27MCMS deal that became core Healthcare.gov data infrastructure

“he was singularly responsible for the company’s single largest customer by revenue - the Center for Medicare & Medicaid within the US Department of Health and Human Services.”

RLRobert Liebowitz, worked with Kash on MarkLogic’s Public Sector team; now First Ascent VenturesLinkedIn recommendation, April 2026
“Kash and I built ERT Credit together in 2021. He took my MVP and turned it into a SaaS that hit $10M ARR in twelve months.”

Jordan Anderson, CEO, PayStreetgobridgehead.ai/about

Billd sales playbook, in brief

Billd provides material financing, pay application advances, a line of credit and early pay programs for commercial subcontractors, founded in Austin in 2018.About Billd, billd.com

Its Chief Technology & Product Officer posting asks one leader to own architecture, SOC 2, the data platform, the product roadmap and shipping code.Chief Technology & Product Officer posting

The first 90 days: learn the platform and the AI-first practices, map the data, set reliability measures, then write the roadmap and the first build-versus-buy calls.Chief Technology & Product Officer posting

AI pays off soonest in credit file support, trusted answers from the data platform, subcontractor questions and customer stories, each with a person approving.Billd press page, Chief Technology & Product Officer posting, Customer stories page

Prepared by Kash Badami at Bridgehead · November 9, 2026 · Every source

Questions

Why a fractional lead instead of waiting for the full-time Chief Technology & Product Officer?

You don’t have to choose. The hire owns the product and the team; a fractional lead covers the AI and software side and runs this plan until it’s theirs, so nothing waits on the search.

What does it cost?

The first engagement is a fixed price, quoted on a call once we’ve seen what you need. After that there’s an optional monthly retainer, and you can stop at any point.

Will it get in the way of the Chief Technology & Product Officer we hire?

No. The line between what they own and what a fractional lead covers is on this page, and the plan is handed to them to run.

Where does our data live, and is it secure?

In your own accounts. Nothing runs on our side, and every tool or vendor we suggest is reviewed with you before anyone connects it.

Is this only about AI?

No. AI is one part. Most of the first 90 days is the work your posting describes, and the AI items are the ones that save your team time soonest.