Senior Risk Portfolio Data Analyst

Bill International Co.,Ltd. • San Jose, CA

85d • $126,900 - $151,800

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 By replacing outdated financial processes with innovative tools, we help businesses—from startups to established brands—make smarter decisions and gain control of their operations.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. BILL builds high performing teams and we seek to hire the best talent for every role. We're committed to building a workplace that fosters inclusion and diverse perspectives, valuing each person's unique skills and experiences. 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.

Requirements

• Minimum 4 years of industry experience in risk analytics, data analysis or data science.
• Bachelor's 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.
• 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 to project expected credit losses across various product lines and economic scenarios.
• Analyze portfolio trends, macroeconomic indicators, and unique fintech data streams to inform model assumptions and provide insightful variance analysis.
• 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 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

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Industry: Professional, Scientific, and Technical Services
• Education Level: Bachelor's degree