Credit Risk Strategy Data Scientist
About The Position
BILL is seeking a Credit Risk Strategy Data Scientist to develop, maintain, and refine risk strategy frameworks and complex rules in support of business goals. The role uses advanced analytics and data science to address complex business problems, analyze large datasets, and inform decisions. The Data Scientist will collaborate with product, engineering, and operations teams to identify opportunities, define business requirements, and execute strategies across the customer lifecycle. The position also develops performance dashboards and monitoring tools, including with platforms such as Tableau, and identifies opportunities to optimize processes and respond proactively to changing risk trends. The role includes mentoring and supporting junior team members. BILL is remote-first, with offices in San Jose, California, and Draper, Utah. The position is not eligible for visa sponsorship; applicants must be authorized to work in the United States without sponsorship now or in the future.
Requirements
- At least 3 years of experience in fraud or credit risk strategy within fintech, e-commerce, or online payments.
- Proficiency in SQL and Python, including the ability to work with large, complex datasets and use data science libraries.
- Demonstrated ability to apply statistics and data science to complex, ambiguous problems and drive data-informed decisions.
- Ability to communicate complex results clearly and concisely to technical experts and business leaders.
- Direct experience developing and deploying data-driven, automated monitoring rules, and identifying and recommending enhancements to existing processes.
- Authorization to work in the United States without requiring visa sponsorship now or in the future.
Nice To Haves
- Experience in experimental design and data/control governance.
- Experience with customer management or collections strategies for credit products such as revolving credit cards or merchant cash advances.
Responsibilities
- Develop, maintain, and refine risk strategy frameworks and complex rules to achieve business goals.
- Apply advanced analytics and data science techniques to solve complex business problems; write SQL and Python scripts, interpret results, and influence decisions with findings.
- Partner with product, engineering, and operations to identify opportunities, establish business requirements, and guide strategy execution across the customer lifecycle.
- Develop flexible performance dashboards and monitoring tools, including using Tableau, to provide actionable insights to different audiences.
- Identify and execute opportunities to optimize processes and proactively detect and respond to evolving risk trends.
- Mentor and support junior team members.
Benefits
- 100% paid employee health, dental, and vision plans, with HMO, PPO, or HDHP options.
- Health savings and flexible spending accounts.
- Life insurance and long- and short-term disability coverage.
- Employee Assistance Program.
- 11 or more observed holidays and wellness days, plus flexible time off.
- Employee Stock Purchase Program with employee discounts.
- Wellness and fitness initiatives.
- Employee recognition and referral programs.
- Competitive benefits package that includes medical, dental, vision, life and disability insurance, a 401(k) retirement plan, flexible spending and health savings accounts, paid holidays, paid time off, and other company benefits.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
No Education Listed
