Risk Data Analyst

United States Digital Space LLC; United States; Hybrid; USD 112,000 - 135,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

Life & disability insurance

401(k) retirement plan

FSAs/HSA

Paid holidays

Paid time off

Job summary

BILL is seeking a Risk Portfolio Management Analyst to support risk strategy and operational execution for hundreds of SMBs relying on our financial automation platform.

You will coordinate program and vendor management, build operating frameworks with AI tooling to reduce manual work, and deliver data-driven insights to leadership across credit, fraud, and reputational risk domains.

Qualifications

• 2+ years of experience in risk management, portfolio analytics, program management, or related field.
• Experience managing medium-scale, cross-functional programs or workstreams with autonomy over deliverables, tracking, and timelines.
• Hands-on experience managing third-party vendor relationships, including tracking performance and ROI.
• Strong knowledge of payment products and risk management across credit, fraud, or reputational risk domains.
• Ability to distill complex data insights into clear, actionable recommendations for multi-level audiences.

Responsibilities

• Own the development and execution of individual strategic portfolio plans, applying statistical and analytical techniques to project data to surface performance patterns and early risk indicators from scoping through completion.
• Formulate and maintain operating frameworks that support risk strategic initiatives and deploy automation/AI tooling to reduce manual workflows.
• Design high-quality dashboards in Tableau, AWS QuickSight, or similar tools to drive insights for project sponsors and leadership.
• Manage third-party vendor relationships, including tracking performance metrics, ROI, and budget oversight.
• Drive cross-functional alignment and governance across Strategy, Product Management, and Engineering, with clear timelines and recommendations.

Skills

Risk management

Portfolio analytics

Program management

Vendor management

Communication

Data visualization

Education

Bachelor’s or Master’s degree (Business Admin, Finance, CS, Economics, Mathematics)

Tools

SQL

Python

R

Job description

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 By replacing outdated financial processes with innovative tools, we help businesses—from startups to established brands—make smarter decisions and gain control of their operations.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 in a remote‑eligible role, 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 BILL as a Risk Portfolio Management Analyst and help support how the Risk Management division executes at scale. The Risk Portfolio Management and Strategic Programs team sits at the intersection of risk strategy and operational execution, owning the programs, partnerships, and frameworks that enable BILL's risk organization to move quickly and with confidence. This team works directly with cross‑functional partners to translate strategic priorities into measurable outcomes across credit risk, fraud risk, and reputational risk domains.

In this role, you will support program and vendor management coordination for the Risk organization, assist in building operating frameworks that reduce manual processes through AI tooling and automation, and manage individual project trackers focused on strategic execution. Your work will directly support BILL's ability to protect hundreds of thousands of SMBs who rely on our financial automation platform to manage cash flow, process payments, and run their operations every day.

Responsibilities

• Program & Initiative Management: Own the development and execution of individual strategic portfolio plans, applying statistical and analytical techniques to project data to surface performance patterns and early risk indicators from scoping through completion.

• Process Automation & AI Integration: Formulate and maintain operating frameworks that support risk strategic initiatives. Experiment with and deploy automation and AI‑assisted tools (e.g., workflow integrations, LLM copilots) to reduce manual workflows and improve team efficiency.

• Insightful Visualization: Design high‑quality, advanced dashboards in Tableau, AWS QuickSight, or other visual tools. Utilize compelling visuals, graphs, and narration techniques tailored to multi‑level audiences to drive insights for project sponsors and leadership.

• Vendor & ROI Ownership: Manage third‑party vendor relationships, including tracking performance metrics, conducting ongoing evaluations, monitoring ROI, and overseeing budget lines to ensure vendors deliver measurable value to risk programs.

• Cross‑Functional Alignment & Conflict Resolution: Drive alignment across risk initiatives by maintaining project trackers, defining clear timelines, and communicating recommendations to cross‑functional stakeholders (Strategy, Product Management, and Engineering).

• Data‑Driven Control Design: Partner closely with risk analysts and data scientists to formulate control strategy recommendations based on data and research. Develop the ability to think with a strategic horizon, weighing short‑and‑medium‑term strategy trade‑offs.

• Governance & Documentation: Oversee governance and audit documentation processes within the Risk division, ensuring programs and vendor/audit items are rigorously tracked, logged, and reported based on performance data.

We’d love to chat if you have

• Experience: Minimum of 2 years of experience in risk management, portfolio analytics, program management, or a related field within financial services, ecommerce, or fintech.

• Project Ownership: Demonstrated experience managing medium‑scale, cross‑functional programs or workstreams with autonomy over deliverables, tracking, and timelines.

• Vendor Management: Hands‑on experience managing third‑party vendor relationships, including tracking performance measurement, logging audit requirements, and reviewing ROI.

• Risk Domain Knowledge: Strong working knowledge of payment products and risk management principles across credit, fraud, or reputational risk domains.

• Influential Communication: Ability to distill complex data insights and risk analysis into clear, actionable recommendations and structured presentations for multi‑level audiences.

Desired Qualifications

• AI & Automation Toolkit: Experience evaluating or deploying AI and automation tooling (e.g., Claude, Gemini, GitHub Copilot, GitLab Duo or LLM‑powered assistants) to optimize risk or operations functions.

• Technical Acumen: Proficiency in SQL, Python, or R, with a proven ability to write queries and independently collect data requirements to support portfolio analysis.

• Process Optimization: Lean Six Sigma Green Belt certification or similar continuous improvement framework experience is highly advantageous.

• Education: Bachelor’s or Master’s degree in Business Administration, Finance, Computer Science, Economics, Mathematics, or a related field.

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.

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 below. 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. The estimated salary ranges noted below roles in the specific geographic zones

Zone 1: San Francisco Bay Area CA (includes HQ), New York City, Seattle, Los Angeles County

$112,400—$135,000 USD

Zone 2: CA (Non San Francisco Bay Area and Los Angeles County), Austin TX, Massachusetts

$101,200—$121,500 USD

Zone 3: Utah (includes Utah office), Dallas TX, Houston TX, Florida, North Carolina, Illinois, Colorado, A