Credit Risk Strategy Data Scientist

BILL; Oregon; Hybrid; USD 96,000 - 115,000; Full time

Benefits offered by this job

Health insurance

HSA & FSA

Life Insurance

Disability Insurance

Mental Wellbeing & EAP

Stock Purchase Program

Holidays & flexible time off

Employee recognition

Job summary

BILL is redefining financial automation for SMBs. We’re seeking a Credit Risk Strategy Data Scientist to build risk frameworks, deploy monitoring rules, and collaborate with Product, Engineering, and Operations. You’ll translate complex analytics into actionable insights that drive decisions and protect the business.

Join a remote-first team with offices in San Jose and Draper, and help us innovate risk management at scale across the US.

Qualifications

• 3+ years of fraud or credit risk strategy in fintech, ecommerce, or online payments.
• Proficiency in SQL and Python and ability to handle large datasets.
• Ability to translate analytics into actionable business decisions.

Responsibilities

• Lead development, maintenance, and refinement of risk strategy frameworks and rules.
• Build and interpret analytics to influence decision-making.
• Collaborate with product, engineering, and operations on requirements.
• Create performance dashboards and monitoring tools (e.g., Tableau).
• Identify new opportunities to optimize risk processes and trends.
• Mentor junior team members to help them grow.

Skills

SQL

Python

Data analysis

Communication

Rule deployment

Tools

Tableau

Job description

Innovate with purposeAt 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 By replacing outdated financial processes with innovative tools, we help businesses—from startups to established brands—make smarter decisions and gain control of their operations.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. We're remote-first, with office spaces in San Jose, CA and Draper, UT — and opportunities to connect in person when it counts. 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. BILL is redefining financial automation for small and midsize businesses (SMBs), helping them thrive. As a fintech leader, we revolutionize how SMBs manage finances—from payables and receivables to expense management—connecting millions of members and enabling confident, faster business.

Your Opportunity to Make an Impact

Credit Risk Strategy Data Scientist at BILL

You’ll build cutting-edge solutions to replace outdated financial processes. Your expertise will help businesses gain control of their operations, giving them more time for what matters.

What You'll Do

• Lead the way: Drive the development, maintenance, and refinement of risk strategy frameworks and complex rules to achieve ambitious business goals.
• Be a data detective: Use advanced analytics and data science techniques to solve complex business problems. This includes building sophisticated SQL/Python scripts, interpreting results, and influencing decision-making with your findings.
• Collaborate and create: Partner with cross-functional teams, including product, engineering, and operations, to identify new opportunities, establish business requirements, and guide the execution of strategies across the customer lifecycle.
• Build powerful tools: Develop flexible performance dashboards and monitoring tools using platforms like Tableau to provide clear, actionable insights to a variety of audiences.
• Stay ahead of the curve: Identify and execute new opportunities to optimize processes and proactively detect and respond to evolving risk trends.
• Mentor and grow: Help mentor and support junior team members to help them achieve their goals.

What We're Looking For

• Proven experience: Minimum of 3+ years of experience in fraud or credit risk strategy within the fintech, e-commerce, or online payments industry.
• Technical expertise: Proficiency in SQL and Python, with a strong ability to work with large, complex datasets and leverage data science libraries.
• Analytical mindset: Demonstrated ability to use statistics and data science to solve complex, ambiguous problems and drive data-driven decisions.
• Exceptional communication: Ability to clearly and concisely communicate complex results to both technical experts and business leaders.
• Hands‑on experience: Direct experience with developing and deploying data-driven and automated monitoring rules, and the ability to find and recommend enhancements for existing processes.

Bonus Points

• Experience in experimental design and data/control governance.
• Experience with customer management or collections strategies for credit products like revolving credit cards or merchant cash advances.

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.

Salary Ranges

• Zone 1: San Francisco Bay Area CA (includes HQ), New York City, Seattle, Los Angeles County $112,700—$135,000 USD
• Zone 2: CA (Non San Francisco Bay Area and Los Angeles County), Austin TX, Massachusetts $101,400—$121,500 USD
• Zone 3: Utah (includes Utah office), Dallas TX, Houston TX, Florida, North Carolina, Illinois, Colorado, Arizona, Georgia, Oregon, Pennsylvania $95,800—$114,800 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.

BILL covers the majority of your medical, dental, and vision premiums, and that includes your dependents.

• HSA & FSA accounts
• Life Insurnace, Long & Short-term disability coverage
• Mental Wellbeing & Employee Assistance Program (EAP)
• 10 company holidays, 2 floating holidays and flexible time off
• Employee Stock Purchase Program with employee discounts
• Employee recognition and referral programsand much more

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

Equal Opportunity Employer

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 .

To ensure a fair evaluation, our Candidate Integrity Policy prohibits the use of unapproved external assistance, including generative AI, during live interviews or assessments. Doing so will result in a review and potential disqualification.

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