Senior Risk Portfolio Data Analyst

BILL • San Jose, CA

12h

About The Position

Join our Risk Portfolio Analytics department and play a pivotal role in driving sound credit risk decisions across BILL's financial products. As a Senior Risk Portfolio Data Analyst, you'll leverage advanced analytics to shape portfolio strategy, solve complex problems, and provide actionable insights that ensure the integrity and growth of BILL's risk platform. This is an exciting opportunity to strengthen our data-driven culture and become a trusted advisor for high-impact initiatives within the organization.

Requirements

• Minimum 4 years of industry experience in risk analytics, data analysis or data science
• Bachelors degree preferably in Economics, Data Science, Statistics, Computer Science, or any related technical field
• Demonstrated expertise in data analytics, quantitative modeling, or risk portfolio analysis within financial services.
• Proficiency with analytics tools (such as SQL, Python, or R) and ability to manipulate large data sets to derive actionable insights.
• Strong problem-solving skills with a track record of creatively resolving complex business challenges.
• Excellent communication skills and ability to tailor messaging for diverse audiences, turning technical findings into practical recommendations.
• Experience collaborating in cross-functional teams and influencing stakeholders to achieve business goals.

Responsibilities

• Develop and implement advanced analytics solutions to monitor, assess, and optimize portfolio risk for credit and lending products.
• Develop and maintain credit loss forecasting models (e.g., using Probability of Default, Loss Given Default methodologies and/or machine learning techniques) to project expected credit losses across various product lines and economic scenarios.
• Analyze portfolio trends, macroeconomic indicators, and unique fintech data streams (e.g., alternative credit data, behavioral metrics) to inform model assumptions, refine loss estimation, and provide insightful variance analysis to executive leadership and risk committees.
• Analyze large, complex datasets to uncover trends, identify risks, and recommend actionable strategies that support business objectives.
• Collaborate cross-functionally with Product, Engineering, and Risk Strategy teams to drive strategic initiatives.
• Design and maintain dashboards and reporting tools, translating complex results into clear, compelling narratives for both technical and non-technical stakeholders.
• Advise on the adoption of new data sources, technologies, and best practices to continuously improve portfolio analytics capabilities.

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
• 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

What This Job Offers

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