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Senior Risk Portfolio Data Analyst

5 hours ago

San Jose, California, United States BILL Full time

Innovate with purpose
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 By replacing outdated financial processes with innovative tools, we help businesses—from startups to established brands—make smarter decisions and gain control of their operations.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. We'd love to hear from you—you might be just what we're looking for, whether in this role or another.

Let's give businesses more time for what matters.

Make Your Impact Within a Rapidly Growing Fintech Company
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.

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.

We'd Love To Chat If You Have

  • 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.

Visa Sponsorship: Please note that this position is not eligible for visa sponsorship. Applicants must have authorization to work in the United States without requiring visa sponsorship now or in the future.
The estimated salary range for this role is noted below for our San Jose based role. Our ranges for each role and job level are based on a variety of factors including candidate experience, expertise, and geographic location and may vary from the amounts listed above. The role is also eligible for a competitive benefits package that includes: 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.

San Jose pay range

$126,900—$151,800 USD

What's in it for you?
Redefining how businesses automate their work is a fast-paced, exciting, and fun environment. But we also have benefits and perks to ensure the magic isn't only experienced by our customers, but by our employees as well.

Here is a preview of some of the amazing benefits here at BILL:

  • 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
  • And much more

Don't believe us? Check out our culture, benefits, and teams on our career site, LinkedIn Life, or YouTube pages.

BILL is an Equal Opportunity Employer. We believe our best ideas come from the unique stories, perspectives, and experiences of our team members. We welcome people of all backgrounds, abilities, and identities to bring their authentic selves and contribute to our culture.

We are committed to a transparent, inclusive hiring process that reflects our values. If you need accommodations at any stage, please contact

Our Applicant Privacy Notice describes how BILL treats the personal information it receives from applicants.