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Senior Director, Credit Risk Strategy



Sales & Business Development
San Jose, CA, USA
Posted on Friday, June 21, 2024

Do the best work of your career as a champion for small and mid-size businesses.

BILL is a leader in financial automation software for small and midsize businesses (SMBs). As a champion of SMBs, we are dedicated to automating the future of finance so businesses can thrive. Hundreds of thousands of businesses trust BILL solutions to manage financial workflows, including payables, receivables, and spend and expense management. With BILL, businesses are connected to a network of millions of members, so they can pay or get paid faster. Through our automated solutions, we help SMBs simplify and control their finances, so they can confidently manage their businesses, and succeed on their terms.

BILL is a trusted partner of leading U.S. financial institutions, accounting firms, and accounting software providers. We have operations in San Jose, CA, Draper, UT, Houston, TX and are continuing to expand into other geographic locations. If you’re looking for a place that helps you do the best work of your career, look no further than BILL.

Make your impact within a rapidly growing Fintech Company

We are looking for an experienced, creative, and enthusiastic person to join BILL’s Risk Strategy team. This role will report to the VP, Credit Risk Strategy and will work closely with the revenue team and executives to implement, manage and onboard customers. This role has high exposure internally in Bill and with our outside customer base.

The Senior Director for Credit Risk Strategy plays a critical role in safeguarding the financial health of the organization by effectively managing credit risk and balancing it with business growth objectives. They must possess strong analytical skills, strategic thinking, and leadership abilities to succeed in this role. This is an excellent opportunity for someone looking to further their career in credit risk strategy.

  • Responsible for developing and executing credit risk management strategies aligned with the organization's overall objectives and risk appetite at the start of the customers’ credit life cycle; onboarding of customers across a spectrum of products (short term card products to longer term working capital products).
  • Push the boundaries of traditional credit risk products and implement creative but sound strategies to expand Bill’s credit capabilities.
  • Lead the assessment of credit risk across various products, and segments while incorporating BILL level exposure at the customer level. This involves analyzing credit data, market trends, and economic indicators to identify potential risks and opportunities.
  • Overseeing the performance of the credit portfolio/products and implementing strategies to optimize risk-adjusted returns. This involves identifying areas of concentration risk, diversification opportunities, and portfolio optimization techniques with the objective of growth enablement.
  • Have technical and analytical acumen to design, develop and implement full end to end solutions for the customer acquisition domain – including policies, rule and ML/AI model strategies, product requirements, governance structures, documentation, and decision management.
  • Establish new payment and risk management policies, controls, and operations models in support of new and existing product offerings that enable growth and innovation. Paramount to these solutions is the digitization of data; automated focus on all key inputs and outputs
  • Direct strategic investments in risk management systems including in-product and back-end controls, rule-based and predictive risk models, and third-party risk assessment and detection tools.
  • Manage the onboarding flow with high autonomy across the BILL product spectrum. Provide written analysis and assessment of obligors with additional documentation (bank statements, quarterly financials) when received.
  • Partner with our Analytics and Data Science organizations to perform quantitative and qualitative analysis to manage risk exposure and drive operational efficiency, effectiveness, and scale.
  • Tracking of key performance indicators (KPIs) and metrics to monitor the effectiveness of credit risk strategies, and preparing regular reports and presentations for senior management on a routine basis.
  • Have excellent communication and partnership skills which are essential for interacting and communicating with key stakeholders at all levels across the company to manage, inform and influence outcomes. Be capable of working closely with and influencing senior business and risk management leaders when creating, revising or implementing workout strategies.
  • Build strong relationships and work extensively with the leadership team and partners to ensure business objectives are met while effectively managing objectives centered around controls, risk management, compliance and operational integrity.
  • Develop and lead a team of strategy data scientists; specialized in full life-cycle credit risk evaluation. Train, develop talent on the team to ensure career pathing and progression.

We’d love to chat if you have:

  • 12+ years experience and possess domain knowledge in credit risk strategy. Familiarity with risk strategies (traditional and non-traditional credit products), credit card authorization data and systems is highly valuable.
  • 8+ years experience in people leadership; driving team goals that are aligned with the broader organization. Effective communication and coaching skills in a fast paced environment.
  • Bachelor’s Degree in Business Administration, Computer Science, Engineering or other quantitative field; Master’s Degree is a plus
  • Strong data analysis skills with knowledge of predictive modeling; understanding and application of ML models.
  • Experience in writing SQL, SAS, Python analytical languages and training the team on advanced coding techniques.
  • Leads collaborative efforts among diverse teams and departments, fostering a culture of innovation and knowledge-sharing
  • Excellent organizational skills - must possess ability to prioritize and balance multiple tasks simultaneously cross-functionally.
  • Exercises significant influence on critical topics, both internally within BILL and externally within the industry

The estimated salary range for this role is noted below for our San Jose based role. Our ranges for each role and job level are based on a variety of factors including candidate experience, expertise, and geographic location and may vary from the amounts listed above. The role is also eligible for a competitive benefits package that includes: medical, dental, vision, life and disability insurance, 401(k) retirement plan, flexible spending & health savings account, paid holidays, paid time off, and other company benefits.

San Jose pay range
$243,400$304,700 USD

Let’s talk about benefits

  • 100% paid employee health, dental, and vision plans (choose HMO, PPO, or HDHP)
  • HSA & FSA accounts
  • Life Insurance, Long & Short-term disability coverage
  • Employee Assistance Program (EAP)
  • 11+ Observed holidays and wellness days and flexible time off
  • Employee Stock Purchase Program with employee discounts
  • Wellness & Fitness initiatives
  • Employee recognition and referral programs
  • And much more

For positions that are in office we support a hybrid work environment with on-site and remote work days. Check out our LinkedIn Life Page for each location and discover BILL.

We live our culture and values every day

At BILL, we’re different by design—it's our culture. Our CEO is a trusted entrepreneur who lives our cultural values: Humble, Authentic, Passionate, Accountable, and Fun. People here love being their authentic selves, contributing unique experiences, sharing ideas, perspectives, and intellectual curiosity. We celebrate our diversity as the heart and soul of how we work, grow, and succeed together. Inspiring people with meaningful career experiences they love really does make the dream work and our successes just keep getting better. There’s no limit to what we can build and where we can go from here. We’d love you to join us.

BILL is proudly an Equal Opportunity Employer where everyone is welcome. Our innovation and technology are inspired by an inclusive culture unlike any other. Everyone brings a different personal story and perspective and this diverse mix of minds, backgrounds, and experiences is where our greatest ideas come from. We welcome people of all races, ethnicities, ages, religions, abilities, genders, and sexual orientations to make us an even more vibrant company. We want everyone to bring their authentic selves here, to share our values, shape our vision, drive innovation, and become part of a culture we celebrate every day.

Our promise to our candidates is to be transparent, diligent, and engaging while guiding individuals through each step of our hiring process. At BILL we strive to achieve an inclusive and positive candidate experience that aligns with our core values and focuses on diversity.

If you require a reasonable accommodation for your application, interviews, or another aspect of the hiring process, please contact [email protected].

BILL Culture:

  • Humble - We check our egos at the door. We are curious. We listen, accept feedback.
  • Authentic - We earn and show trust by being real—embracing our authentic selves.
  • Passionate - We care deeply about each other and our customers.
  • Accountable - We are duty-bound to each other, our customers, and society.
  • Fun - We wrap it all together by building connections and enjoying time spent together.

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