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 By replacing outdated financial processes with innovative tools, we help businesses—from startups to established brands—make smarter decisions and gain control of their operations.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 Director, Risk Portfolio Management and own the analytics and insights engine that drives how BILL manages risk at scale. The Risk Portfolio team sits within the Risk Management division and is responsible for KPI development, portfolio performance tracking, financial loss forecasting, and the data science and engineering capabilities that power risk operations across BILL's product spectrum. This team serves as a strategic partner to senior risk leadership, translating complex portfolio data into clear guidance on resource allocation, risk-adjusted returns, and growth enablement. In this role, you will lead a team of data scientists and analysts focused on fraud and credit risk portfolio management, building the models, policies, and reporting infrastructure that protect BILL and the hundreds of thousands of SMBs who depend on our financial automation platform. You will report to the Senior Director of Risk Portfolio Management and partner closely with cross-functional teams to balance strong risk controls with BILL's business growth objectives. Responsibilities: * Own fraud and credit risk portfolio management across BILL's product spectrum, including performance monitoring, KPI tracking, and the preparation of regular analysis and reporting for senior leadership. * Lead financial loss forecasting and risk-adjusted return analysis, identifying concentration risks, diversification opportunities, and portfolio optimization strategies that support growth enablement. * Design and implement end-to-end solutions for customer acquisition and monitoring domains, including policies, rule strategies, ML/AI model strategies, product requirements, governance structures, and decision management frameworks. * Direct investments in risk management systems, including in-product and back-end controls, rule-based and predictive risk models, and third-party risk assessment tools. * Provide strategic guidance on resource allocation to maximize risk-adjusted returns, using data-driven insights to influence senior risk and business leaders on portfolio strategy. * Lead and develop a team of strategy data scientists, supporting career growth, coaching on advanced analytical techniques, and building a culture of continuous learning and knowledge sharing. * Partner with cross-functional teams across risk operations, product, compliance, and finance to establish new payment and risk management policies and controls in support of new and existing product offerings. We'd love to chat if you have: * 10 or more years of experience in credit risk, fraud risk, or portfolio analytics within financial services or fintech, with demonstrated domain expertise in risk management principles and frameworks. * 6 or more years of people leadership experience, with a track record of building and developing analytics or data science teams in a results-oriented environment. * Strong data science and quantitative analysis skills, including hands-on experience with predictive modeling, ML/AI model strategies, and the application of models to real-world risk decisions. * Proficiency in SQL, Python, or SAS, with the ability to work directly with data and coach team members on advanced analytical and coding techniques. * Excellent communication and stakeholder management skills, with experience presenting portfolio performance and risk strategy recommendations to senior leadership. Desired Qualifications: * Familiarity with credit card authorization data and systems, or experience across non-traditional credit products. * Experience with AI fluency and the integration of AI-influenced analytics within risk operations workflows. * Bachelor's degree in Computer Science, Engineering, Mathematics, Finance, or a related quantitative field; master's degree is a plus.   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 $219,000—$273,758 USD Zone 2: CA (Non San Francisco Bay Area and Los Angeles County), Austin TX, Massachusetts $197,100—$246,400 USD Zone 3: Utah (includes Utah office), Dallas TX, Houston TX, Florida, North Carolina, Illinois, Colorado, Arizona, Georgia, Oregon, Pennsylvania $186,200—$232,700 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 interviewaccommodations@hq.bill.com. 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.