Join BILL as a Senior Credit Strategy Data Scientist

Looking to achieve the best work of your career while championing small and mid-size businesses? BILL offers you that opportunity! A leader in financial automation software, BILL focuses on empowering small and midsize businesses (SMBs) by automating finance futures so they can thrive.

About BILL

Hundreds of thousands of businesses rely on BILL solutions to manage financial workflows, including payables, receivables, and expense management. Through BILL, businesses connect with millions of members for faster transactions. Our automated solutions help SMBs streamline and control their finances, enabling confident management and successful growth on their terms.

Why Work at BILL?

As a trusted partner of top U.S. financial institutions, accounting firms, and software providers, BILL has operations in San Jose, CA, Draper, UT, and Houston, TX, with plans for further geographic expansion. If you’re seeking a place to excel and make an impact in a rapidly growing Fintech company, look no further.

Role: Senior Credit Strategy Data Scientist

We are on the lookout for a talented, enthusiastic, and dedicated individual to join BILL’s Credit Risk Strategy team. The role involves leading key projects related to credit risk assessment, data analysis, and loss mitigation. Strong experience in analytics, risk strategy refinement, and predictive algorithm development in the credit risk domain is essential.

Qualifications

• Minimum 4 years of experience in risk analytics, data analysis, or data science within Fintech or online payments industry.
• Bachelor’s degree in Computer Science, Engineering, Mathematics, Statistics, Data Mining, or a related field, or equivalent practical experience.
• Experience in using statistics and data science for solving complex business problems.
• Proficiency in SQL, Python, Excel, and key data science libraries.
• Experience with large datasets.
• Ability to communicate complex results clearly to technical experts, business partners, and executives, including dashboard and visualization development (e.g., Tableau).
• Comfortable navigating ambiguity and steering analytics projects toward clear business goals and action-oriented outcomes.
• Analytical thinking demonstrated through data-driven decisions and making significant impacts with your team.
• Bonus: Experience with AWS, payment rule systems, and knowledge of credit products.

Salary and Benefits

The San Jose pay range for this role is $126,900—$151,800 USD. BILL offers a competitive benefits package including:

• 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, wellness days, and flexible time off
• Employee Stock Purchase Program with discounts
• Wellness & Fitness initiatives
• Employee recognition and referral programs
• And much more!

For in-office positions, BILL supports a hybrid work environment with on-site and remote workdays. Visit our LinkedIn Life Page to learn more about our vibrant office culture.

BILL Culture and Values

At BILL, we’re committed to an inclusive culture where everyone thrives. Inspired by our CEO’s commitment to values like Humble, Authentic, Passionate, Accountable, and Fun, our employees bring their true selves to work and contribute diverse perspectives and ideas.

Core Values

• Humble: We check our egos at the door. We are curious and receptive to feedback.
• Authentic: We earn and show trust by being real and embracing our true selves.
• Passionate: We care deeply about each other and our customers.
• Accountable: We are duty-bound to each other, our customers, and society.
• Fun: We build connections and enjoy our time together.

BILL is an Equal Opportunity Employer welcoming all to contribute to our successes. We celebrate diversity as the essence of innovation, inviting people of all