Risk Strategy Data Scientist

About the position

At BILL, we believe in empowering the businesses that drive our economy. By replacing outdated financial processes with innovative tools, we help businesses—from startups to established brands—make smarter decisions and gain control of their operations. And we don’t stop there: we’re creating the future of financial automation so businesses can spend more time on what matters. Working here means you become part of a vision-driven team that’s ready to tackle challenges and build cutting-edge solutions. We value purpose, drive, and curiosity—and we thrive in a fast-paced, ever-changing environment. Whether in one of our offices in San Jose, CA, Draper, UT, or working remotely, BILLders collaborate to deliver real impact for businesses that need more time in their busy weeks. At BILL, we listen, learn, and lead—fostering collaboration and a drive for continuous growth. We’re committed to building a diverse and inclusive workplace that values each person’s unique skills and experiences. Even if you don’t meet every requirement, we’d love to hear from you—you might be just what we’re looking for, whether in this role or another.

Responsibilities

• Lead key projects associated with credit risk assessment, data analysis and strategy development.
• Work with machine learning models and perform analytics in the credit risk domain.
• Design risk strategies based on data analysis.
• Communicate complex results to technical experts, business partners, and executives.
• Develop dashboards and visualizations to present data findings.

Requirements

• 2+ years of experience in risk analytics or data science within credit or online payment industry.
• Master’s degree in Computer Science, Engineering, Mathematics, Statistics, Data Science or related field or equivalent practical experience.
• Demonstrated history of addressing business challenges using data and analytics.
• Proficiency in SQL, Python and Tableau or other dashboard tools.
• Experience working with machine learning models and model driven strategies.
• Ability to clearly communicate complex results to various stakeholders.
• Comfortable with ambiguity and able to steer analytics projects toward clear business goals.

Nice-to-haves

• Experience with AWS suite and DBT.

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.