Director of Credit & Analytics

Billd • Austin, TX

11d • Hybrid

About The Position

The Director of Credit and Analytics will lead credit risk modeling and portfolio analytics at Billd, reporting directly to the Chief Operating Officer. The role owns the design, development, governance, and ongoing performance of decisioning models for underwriting, credit limit assignment, and risk-based pricing tiers across Material Financing, Pay App Advance, and Flex Line. Billd’s models evaluate subcontractors, projects, and general contractors together to forecast subcontractor cash flow and payment timing through the construction payment chain. Its modeling framework uses CHAID decision trees, complemented by regression and gradient boosting (XGBoost).

This is a senior, hands-on position that is approximately 90% analytical. The Director sets the strategic direction for credit models and performs quantitative work directly, from feature engineering and model development through validation and performance monitoring, with AI-assisted analytics integrated into daily workflows. The role also owns credit reporting to the CEO, board of directors, and capital partners. It partners with Operations and Underwriting, which apply the models to individual transactions; it does not process or approve deals.

Requirements

• At least 8 years of experience in B2B credit, such as commercial credit, small business finance, B2B fintech, or working capital.
• At least 4 years of hands-on advanced credit modeling experience and ownership of production credit risk models.
• Experience in CHAID decision-tree modeling.
• Expertise in statistics and predictive modeling, including regression, gradient boosting (XGBoost), and explainability methods such as SHAP.
• Experience with probability of default, vintage and roll-rate analysis, survival models, backtesting, and performance monitoring metrics such as KS, Gini/AUC, and PSI.
• Advanced Python and SQL skills.
• Daily, hands-on use of AI tools such as Claude or Codex for coding, data analysis, and modeling, including validation of AI-generated output.
• Ability to communicate complex quantitative findings clearly to a board, executive team, or capital partners.
• Sound judgment in interpreting model results in the context of the business and credit cycle, and ability to work independently and own projects from start to finish.
• Bachelor’s degree in a quantitative field.

Nice To Haves

• Familiarity with Salesforce and BI tools such as Metabase.
• Experience underwriting with bank transaction data.
• Experience in construction, receivables, factoring, or trade credit.
• Master’s degree or PhD in statistics, mathematics, economics, data science, or a related field.

Responsibilities

• Lead the design, development, and governance of Billd’s CHAID-based decisioning models, using regression and gradient boosting (XGBoost) where they improve predictive performance.
• Manage the model lifecycle, including development, validation, deployment, monitoring, and recalibration.
• Model contractor, project, and general contractor risk to forecast subcontractor cash flow and payment timing across the construction payment cycle.
• Engineer predictive attributes from bank transaction data, commercial and consumer credit bureau data, lien and judgment records, project data, and internal repayment history.
• Assess third-party data sources for incremental predictive value.
• Translate model output into credit tiers, credit limit methodology, and product eligibility for Material Financing, Pay App Advance, and Flex Line; recommend calibrated changes to credit policy thresholds.
• Define the credit modeling roadmap and balance growth, approval rates, and loss performance.
• Own credit reporting to the CEO, board of directors, and capital partners, covering portfolio performance and concentration, delinquency and loss trends, vintage and roll-rate analysis, and model performance.
• Present model changes and recommendations to the Credit Committee.
• Monitor model discrimination, calibration, and stability; lead loss forecasting, scenario analysis, and stress testing; and identify early indicators of portfolio deterioration.
• Integrate AI tools into model development, coding, and analysis, and maintain documentation that makes results reproducible and auditable.
• Partner with Operations, Underwriting, Finance, Engineering, and Product to implement model changes in production decisioning systems.

Benefits

• Dog-friendly office with a fully stocked kitchen and on-site fitness room.
• Quarterly company-wide team events.
• Friday remote work, if desired, with an in-office schedule Monday through Thursday.
• Additional flexibility through a work-from-home allowance.
• Opportunities for internal growth and career development.

What This Job Offers

• Job Type: Full-time
• Career Level: Director