Senior Staff Software Engineer - Credit Risk

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

Come join the team that owns all underwriting needs at Bill! You will be an active participant in building a resilient credit risk service. You will be a core member architecting and building a platform for unlocking credit opportunities to SMBs. There are many opportunities to share your skills with other engineers while learning about many of the great technologies utilized at BILL.

We are seeking a strong, passionate engineer to join our team. In this role, you will enhance our platform and unlock credit to our customers which is critical to the livelihood of small and medium-sized businesses (SMBs), while also increasing revenue growth.

We’d love to chat if you have:

• Bachelor’s degree in Computer Science, Engineering, or a related field.
• At least 12 years of experience in software engineering.
• Proven experience in leading the design and implementation of scalable SaaS applications in Elixir and Java
• Strong understanding of engineering, product, and design interoperation and communication
• Expertise in building and maintaining large-scale, high-volume, high-availability, low-latency systems.
• Strong understanding of security, compliance, and regulatory requirements.
• Demonstrated experience in credit risk, preferably business credit risk.
• Proficiency in version control, code reviews, testing, and deployment automation.
• Ability to mentor and guide other engineers in best practices and advanced technical concepts.
• Familiarity with machine learning model integration and data pipeline design.
• Strong understanding of engineering, product, and design interoperation and communication
• Test-driven development mindset and pride in code resilience
• Collaborative, high-trust approach to team building and collaboration
• Proficiency with monitoring, alerting, and reporting tools
• Cross-team collaboration with extreme ownership mindset
• Hands-on experience with GraphQL
• Experience architecting large scale, high volume, high availability services
• Passion for leading technical discussions and mentoring other engineers
• Experience with Elixir, Ecto and Phoenix
• Expertise with event sourcing, Kafka and Flink
• Experience in more advanced or cutting-edge technologies (e.g., Kubernetes, Serverless Architectures, AI/ML frameworks, Advanced Cloud Services).
• Experience in designing and implementing microservices architecture and containerization technologies like Docker.
• Experience in complex problem-solving in large-scale distributed systems, performance optimization, and high-availability systems.

#LI

The estimated salary  range for this role is noted below for our San Jose based role.  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 above. 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.

San Jose pay range$188,700—$235,900 USD

The estimated base salary range for this role is noted below for our office location in Draper, UT. Additionally, this role is eligible to participate in BILL’s bonus and equity plan. 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 above. The role is also eligible for a competitive benefi