Senior Director, Risk Portfolio Management

Do the best work of your career as a champion for small and mid-size businesses.

BILL is a leader in financial automation software for small and midsize businesses (SMBs). As a champion of SMBs, we are dedicated to automating the future of finance so businesses can thrive. Hundreds of thousands of businesses trust BILL solutions to manage financial workflows, including payables, receivables, and spend and expense management. With BILL, businesses are connected to a network of millions of members, so they can pay or get paid faster. Through our automated solutions, we help SMBs simplify and control their finances, so they can confidently manage their businesses, and succeed on their terms. 

BILL is a trusted partner of leading U.S. financial institutions, accounting firms, and accounting software providers. We have operations in San Jose, CA, Draper, UT, Houston, TX and are continuing to expand into other geographic locations. If you’re looking for a place that helps you do the best work of your career, look no further than BILL.

Make your impact within a rapidly growing Fintech Company

We are looking for an experienced, creative, and enthusiastic person to join BILL’s Risk Management team. This role will report to the SVP, Risk Management and will work closely with cross functional  teams and executives to create, implement, and manage Bill’s portfolio of customers and transactions. This role has high exposure internally in Bill and with external partners. 

The Senior Director of Risk Portfolio Management plays a critical role in safeguarding the financial health of the organization by effectively managing fraud and credit risk and balancing it with business growth objectives. They must possess strong analytical skills, strategic thinking, and leadership abilities to succeed in this role. This is an excellent opportunity for someone looking to further their career in risk management.

• Utilize strong data science skills to build and implement robust fraud and credit risk portfolio management strategies.
• Push the boundaries of traditional risk management to achieve balanced risk/reward outcomes.
• Lead the assessment of risk across various products, and segments while incorporating BILL level exposure at the customer level. This involves analyzing risk data, market trends, and economic indicators to identify potential risks and opportunities.
• Overseeing the performance of the fraud and credit portfolio/products and identifying strategies to optimize risk-adjusted returns. This involves identifying areas of concentration risk, diversification opportunities, and portfolio optimization techniques with the objective of growth enablement.
• Have technical and analytical acumen to design, develop and implement full end to end solutions for the customer acquisition and monitoring domains – including policies, rule and ML/AI model strategies, product requirements, governance structures, documentation, and decision management.
• Establish new payment and risk management policies, controls, and operations models in support of new and existing product offerings that enable growth and innovation.  Paramount to these solutions is the digitization of data; automated focus on all key inputs and outputs
• Direct strategic investments in risk management systems including in-product and back-end controls, rule-based and predictive risk models, and third-party risk assessment and detection tools.
• Manage the portfolio performance with high autonomy across the BILL product spectrum. Provide written analysis and assessment of portfolio performance.
• Oversee/Perform quantitative and qualitative analysis to manage risk exposure and drive operational efficiency, effectiveness, and scale. 
• Tracking of key performance indicators (KPIs) and metrics to monitor the effectiveness of credit risk strategies, and preparing regular reports and presentations for senior management on a routine basis.
• Have excellent communication and partnership skills which are essential for interacting and communicating with key stakeholders at all levels across the company to manage, inform and influence outcomes. Be capable of working closely with and influencing senior business and risk management leaders when creating, revising or implementing workout strategies.
• Build strong relationships and work extensively with the leadership team and partners to ensure business objectives are met while effectively managing objectives centered around controls, risk management, compliance and operational integrity.
• Develop and lead a team of strategy data scientists; specialized in full life-cycle credit risk evaluation. Train, develop talent on the team to ensure career pathing and progression.

We’d love to chat if you have:

• 12+ years experience an